Buy Now, Pay Later with Zip | The A2Z Furniture
Shop now and pay later with Zip, then repay at your own pace. A Zip Pay account lets you spread the cost of your furniture over time, interest-free, with flexible weekly, fortnightly or monthly repayments. For bigger purchases, Zip Money offers an interest-free term so you can take home more and pay it off gradually. Choose Zip at checkout, or tap your Zip Visa Card in our showrooms. Available on eligible orders at The A2Z Furniture, online and in store.
How Zip works
Set up a Zip account once, then use it again and again — at your own pace.
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1
Create your account
Apply online in minutes — approval is quick and easy.
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2
Get your limit
Once approved, Zip confirms your account credit limit.
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3
Shop with Zip
Choose Zip at checkout, or add your Zip Visa Card to your digital wallet and tap to pay in store.
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4
Repay your way
Pay it off weekly, fortnightly or monthly — whatever suits your budget.
Two ways to pay with Zip
The account and limit available to you depend on your Zip approval. Repayments are direct-debited from your nominated card or account.
Zip Pay
Spread everyday furniture purchases over time, interest-free. There's a $9.95 monthly account fee — waived whenever you pay your closing balance in full by the due date — and no establishment fee. Repay from $10 a week.
Zip Money
Made for larger furniture buys. Enjoy an interest-free term so you can pay your purchase off gradually. A one-off establishment fee ($0–$99) may apply, plus the $9.95 monthly account fee. Any balance left at the end of the interest-free term is charged at 25.9% p.a.
Fees, eligibility & credit checks
Zip is a regulated credit product. Here's what to know before you choose it at checkout.
Fees & interest
- A $9.95 monthly account fee applies — waived when you pay your closing balance in full by the due date.
- Zip Pay has no establishment fee; Zip Money may have a one-off establishment fee of $0–$99.
- Miss your minimum monthly repayment and a late fee applies ($7.50 on Zip Pay, $15 on Zip Money), charged seven days after the due date.
Who can use Zip
- Be an Australian resident, 18 or older.
- Be an approved applicant — accounts are subject to a satisfactory credit assessment.
- Have a valid card or bank account to link for repayments.
Credit checks
- Zip is regulated credit (Australian Credit Licence 441878).
- Zip completes a credit assessment when you apply, which may affect your credit score.
- Your repayment history can affect your score and your future borrowing.
Returns, refunds & missed payments
Buying big-ticket furniture? Here's how things work if you need to return an item or you're short for a repayment.
Returns & refunds
If you return an item, let our team know first so we can process it. Zip then adjusts your account balance, and any amount you've already repaid is refunded.
If you miss a payment
Repayments are direct-debited on your chosen schedule, and Zip sends reminders before they're due. If a minimum repayment is missed, a late fee applies seven days after the due date.
Returns and delivery are also covered by our own policies — see delivery & pickup and contact us for anything order-specific.
Managing payments & your security
Managing your payments
The Zip app keeps everything in one place. Check your balance and available credit, see when repayments are due, change how often you pay, and access your Zip Visa Card details.
Repayments are direct-debited automatically, so once it's set up there's nothing to remember.
Your security comes first
Zip protects your account and personal information with bank-level security. You stay in control of your spending and repayments from the app.
The A2Z Furniture never sees or stores your full card details — they stay with Zip.
Zip FAQs
Is Zip interest-free?
Zip Pay is always interest-free. Zip Money is interest-free for a set promotional term, after which any remaining balance is charged at the standard variable rate of 25.9% p.a. A $9.95 monthly account fee applies to both and is waived whenever you pay your closing balance in full by the due date.
Is there a monthly fee?
Yes — a $9.95 monthly account fee applies. It's waived in any month where you pay your statement closing balance in full by the due date, or have nothing owing.
How do repayments work?
Repayments are direct-debited from the card or account you link when you sign up. You can choose weekly, fortnightly or monthly repayments — and change the frequency any time — as long as you cover the minimum monthly repayment. Zip Pay repayments start from $10 a week.
What's the difference between Zip Pay and Zip Money?
Zip Pay is an everyday account with a limit of up to $1,000 and is always interest-free — ideal for smaller purchases. Zip Money is designed for larger buys (up to $5,000), with an interest-free term so you can pay a bigger purchase off gradually; a one-off establishment fee may apply.
Can I use Zip in your showrooms?
Yes. Add your Zip Visa Card to your phone's digital wallet through the Zip app, then tap to pay at any of our SE QLD showrooms — anywhere Visa is accepted, even where you don't see Zip at the checkout.
Will using Zip affect my credit score?
Zip is a regulated credit product. Zip completes a credit assessment when you apply, which may appear on your credit file and affect your score. Your repayment history can also affect your score and your future borrowing.
What happens if I miss a payment?
Zip sends reminders before each repayment is due. If you miss your minimum monthly repayment, a late fee applies — $7.50 on Zip Pay or $15 on Zip Money — charged seven days after the due date. If you're having trouble, contact Zip about financial hardship support.
Helpful Zip links
For full terms and the latest details, head to Zip's official Australian pages.
Credit is provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence number 441878, and Zip complies with the BNPL Code of Practice. Available to approved applicants only and subject to a satisfactory credit assessment. A $9.95 monthly account fee applies and is waived when you pay your closing balance in full by the due date. Zip Pay is interest-free. Zip Money offers an interest-free term, after which any remaining balance is charged at the standard variable rate of 25.9% p.a.; a one-off establishment fee of $0–$99 may apply. Late fees and other charges may apply, and fees, charges and interest rates are subject to change. Always read Zip's terms and privacy policy before you buy. This page is general information only and is not financial advice.