Who can apply
Must be 18 years of age
Must be an Australian citizen or a resident
Must be employed in some capacity
How can I apply?
Click Apply Now and complete the easy 3 minute application. You'll be surprised at how simple the process is.
Once approved and you accept the terms and conditions, zipMoney will pay Desired Living on your behalf.
What else should I know?
Although zipMoney's interest free plan allows you to shop today without paying anything upfront - it is a loan and must be paid back. Failure to do so could affect your future credit rating.
zipMoney's payment plans are interest free for up to 12 months, but please be aware that interest will start to accrue after the interest free period. You can see your interest free balance, how long it is estimated to take to repay the loan and change your payment schedule in your digital wallet.
What are the benefits?
You can buy the goods you want today and pay nothing upfront. By paying with your zipMoney account, you can split the cost of your purchase and pay over time. zipMoney even pays Desired Living on your behalf no money ever changes hands.
You're also provided with a virtual account so for your next purchase, all you need to do is sign-in to your digital wallet, confirm and pay. There's no more need to use your credit card or seek a loan elsewhere.
It's simple and easy to use.
What are the fees?
No deposit, so nothing to pay today
A one off establishment fee of $25 may apply. Don't worry this is added to your interest free balance. Please see your application and contract for details.
Minimum monthly payments apply. See your contract and application for details.
An interest free period of 12 months, after which interest will accrue at the standard annual percentage rate
A small monthly admin fee of $4.95 (only payable if a balance is owing)
Please refer to your contract, terms and conditions for further information.
Where can I find out more?