Buy now and pay later | online and in-store

No upfront payments. No hidden fees.

Why pay the old way?

Within seconds you’ll have access to a new digital wallet and up to $1,000 to shop at your favourite stores.

Digital shopping account

Create your account now
and start shopping with the
flexibility of a digital wallet.

Buy now, pay later

Shop today, enjoy your
purchase & pay later to suit
your lifestyle!

Interest free

No interest.
We’re completely transparent
about no hidden fees.

No credit cards

A completely digitised wallet
means there’s no need
for a credit card.

Buy now. Pay later. Interest free

The smarter way to pay for life’s larger purchases over time, on your terms


How does zipMoney work?

Step one

Find an item you love and select zipMoney at checkout.

Step two

Complete a quick application and get a decision in real-time.

Step three

Pay for your item with the funds in your new digital account

That’s it!

Enjoy your new purchase and pay us over time, on your terms

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, currently 23.9%. A one off establishment fee applies, see your contract for details. A Monthly Account Service Fee of $4.95 (when balance owing) apply. 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 find out more.

Lombard – Buy your jewellery or watches now

Finance your purchase (over $250) with the Lombard 180 card and pay no interest for six months. Applications are fast and easy, with quick responses. Access your account online, 24/7.

Get pre-approved now. Follow these four simple steps:

  1. Choose “single” or “joint” application
  2. Wait for the decision via email
  3. If approved, you’ll receive a “welcome confirmation” email
  4. Come in store, show us the email, and bring your ID


Disclaimer: *Subject to suitability assessment and credit approved applicants only on a Lombard 180 card. Terms, conditions, fees and charges apply including a $99 Annual Fee charged on the account open date and annually on the anniversary of the account open date. Up to 55 days Interest Free is available on all Lombard 180 card purchases (excluding cash withdrawals), when you pay, by the payment due date, the amount identified in your statement as the ‘optional repayment to qualify for up to 55 days Interest Free on purchases’. 6 months Interest Free is available on all Lombard 180 card purchases of $250 or more made in one transaction. Interest, currently 22.99%p.a., is payable on balance outstanding after any Interest Free term. Credit provided by Lombard Finance Pty Ltd ABN 31 099 651 877 Australian Credit Licence number 247415 (Lombard). Lombard® is a trademark of Lombard. Lombard is a subsidiary of FlexiGroup.

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