TREAT now. Pay later. Interest free.

zipMoney allows you to spread the cost of your treatment with flexible interest-free payments, on your terms.

zipMoney is a safe, simple and convenient way to manage the cost of your healthcare. It provides you with the ability to obtain the care you need right away, and the flexibility to pay over time in installments that suit you.

Full coverage for your treatment
Simple mobile Sign up
Get a decision in real time
Flexible payments

Get started with the 3 minute easy application now!


How does zipMoney work

Quickly create your account and confirm your details for approval in real time.

For every purchase you make, zipMoney pays on your behalf. Buyer protection on all purchases.

You pay back over time in easy monthly payments as low as $40. Minimum 3 months interest free.


Why wait? Pay Later.

Over time, on your terms. Flexible, and interest free.


What's next?

Once approved and you accept the terms and conditions, you have a zipMoney fund account. Simply contact your healthcare practitioner or clinic and let them know you would like to pay for your treatment with ziMmoney. We pay them on your behalf when the clinic wants to be paid.


What else should I know?

Although zipMoney's interest free plans allow you to get the healthcare you need today without paying anything upfront - it is a loan and must be paid back. Failure to do so could affect your future credit rating.
Whilst interest free for up to 12 months, interest will start to accrue after the interest free period. To keep you on track, you can see your interest free balance, estimated repayment time and change your payment schedule in your digital wallet at any time.


What are the fees?

No deposit, so you can receive your treatment with nothing to pay today.

A one off establishment fee and minimum monthly payments apply. These are simply added to your interest free balance. See contract for details.

After the interest free period, interest will accrue at the standard annual percentage rate. A small monthly admin fee of $4.95 is also applicable for months you have a balance owing.
Please refer to your contract, terms and conditions for further information.

Terms and Conditions

Available to approved applicants only. Minimum monthly repayments are required, see your contract for details. Paying only the minimum monthly repayment amount will not pay out the purchase within the interest free period.Any balance outstanding at the expiry of the interest free period will be charged interest at the standard annual percentage rate. A one off establishment fee applies, see your contract for details. A Monthly Account Service Fee of $4.95 (when balance owing) applies. Terms & Conditions apply and are available on application. Credit provided by zipMoney Payments Pty Limited (ABN 58 164 440 993, Australian Credit Licence Number 441878). Visit to learn more.

Got questions?

For general questions about us, your account, security or repayments head over to the zipMoneyFAQ page, call zipMoney Patient Care: 02 8294 2345 or email