Interest Free Payment in ZIP


Zip account
Apply in minutes for your Zip account online, via checkout or using our mobile app.

Pay in 4
Get it now, but spread your purchase across 4 equal fortnightly payments.

Interest free
Every purchase you make with Zip is interest free. Online or instore.

How does Zip work?
Zip allows you to make purchases and take your goods straight away, but pay 25% up-front with the rest charged over 3 fortnightly interest free instalments.

How do I sign up with Zip?
You can sign up when checking out on TheMarket or at The sign-up process takes 2-3 minutes and you need to be 18 years or older and have an NZ debit or credit card.

What if I don’t have an NZ Driver Licence or get an ID failed message when applying?
Zip needs to identify you. You can get manually ID verified as part of the signup or checkout process with other forms of ID (this process can take up to 24 hours) so just follow the prompts.

Are there any hidden fees?
There are no fees and interest costs to shop with Zip if you make your payments on time. If you miss a payment you will be charged an $8 default fee per week it is late (capped at $40 total late fees per purchase).

Why can’t I shop with Zip again straight away?
If you are a new Zip customer, you will need to wait until your 2nd instalment has been paid (2 weeks after purchase) before you can shop with Zip again.