All you need is:

• A valid email address and mobile number.
• Be at least 18 years old.
• Be an Australian Citizen or Permanent Resident.
• Have a good credit history.
• Read more about what you need to apply for Zip Pay and Zip Money.

How to use Zip:

• Choose the account that's right for you.
• Sign up and get a decision in minutes.
• Select Zip at checkout.
• Log into your account to set up your a repayment schedule to suit your lifestyle.
• Reuse your account anywhere you see the Zip logo.

Fees & interest:

• Zip Pay purchases are interest free, always.
• Zip Money is interest free if you pay off your purchases within the interest free period.
• Standard interest rate of 19.9% applies after the interest free period.
• The $6.00 monthly account fee is waived if you pay your balance by the due date.
• If there's nothing owing on your account, there's nothing to pay and no fees.

Repayments:

• Choose from weekly, fortnightly or monthly payments to suit your lifestyle.
• Repayments start from $40 a month and are based on your account's credit limit.

Returns & refunds:

• If your item meets Mighty 8 Stores online's returns policy, the purchase amount will be credited back to your Zip account.

Read more here about repayments, interest and fees for Zip Pay and Zip Money.