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Incu have teamed up with Zip Pay to offer an interest-free payment platform that allows you buy and own items now, and pay later.

Create your account

What Is Zippay?

Zip Pay is a reusable account of up to $1000 that lets you shop now and pay later. NO upfront payments and interest free always. Make as many purchases as you like to your account limit, then set up flexible repayments to suit your lifestyle. Easy as.

How Does It Work

Apply in moments and get approved for up to $1000 on the spot. Once approved, start shopping online and instore. That’s it - your purchase is all yours, with nothing to pay today. Interest free always.

How Do Repayments Work?

Your first payment won’t be due until the end of next month. When you open your account, we’ll set up a monthly payment of $40 (or less if the amount you owe is under $40). This will come from your linked debit card on the last day of each month until your purchases are paid off.

Finally, if there’s nothing owing on your account, there’s nothing to pay. Your account simply remains active until you’re ready to make a purchase.

Am I Eligible For Zip Pay?

To be eligible to apply for a Zip Pay account, you need:

Be an Australian citizen or permanent resident
Be at least 18 years of age
Have a valid Facebook or PayPal account, in your own name
Have a valid debit card, in your own name
Have not declared bankruptcy or insolvency

    What Are The Fees?

    Zip Pay is 100% interest free, always. There’s a $6 monthly account fee, this monthly fee is waived if your closing balance is paid by the due date. No balance fee. And you’ll pay nothing upfront - there are no setup fees and no hidden charges. If you don’t meet your minimum monthly repayment, a $5 late fee may apply. That’s it.

    How Do Refunds Work?

    The refunded amount which will appear back in your Zip account. If a refund puts your Zip account in credit, you can contact us to have the amount refunded to your bank account instead. Or, simply use it for your next purchase.

    Zip is an Australian ASX listed company.

    Visit zip.co

    See full Ts & Cs