Buy now. Pay later.
Interest free.

Guilty Kloset has teamed up with zipPay.
Get access to a new digital wallet and up to $1,000.


What is zipPay?

zipPay is a simple and secure payment option, that let's you shop today and pay later for your purchases.

Why use zipPay?


Digital account

Apply for your account and start shopping with a digital wallet.


Flexible repayments

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


Interest free always

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


No credit cards

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

How does zipPay work?


1. Apply

Apply for your account and get a decision in seconds.


2. Shop

Use your zipPay account online or in-store wherever you see zip.


3. Pay back over time

You pay zipPay back over time in easy weekly, fortnightly or monthly payments.

What do others have to say?

"The process is so simple and when I had a little problem I was contacted within 10 minutes. Can't ask for better service."

Geoff E

"Easy, convenient. Great repayment terms."

Jennifer T

"I can buy my products immediately and the payments are easy to manage within my budget. Fantastic!"

Josephine F

Got questions?

Who can apply for an account?

Any Australian citizen or permanent resident, who is 18 years or older and is employed, earning at least $300 per week.

How much does it cost?

At the end of every month, you can choose to pay off your balance in full, or simply make a payment that suits your budget (note: there is a minimum repayment of $40 per month required). A monthly account fee of $6 applies. This fee is waived if you pay your balance in full by your due date.

There is NO establishment fee to setup your account and it's interest free always! If you have repaid your balance down to $0 by your due date (up to 60 days after your purchase), you will never be charged any additional fees.

How do I apply for an account?

You can apply for an account here or while making a purchase at any participating stores. To sign up, all you need is a social media account and to confirm the details that you would normally enter when shopping online (e.g. your name, email, mobile, address, DOB, gender and a valid repayment method).

Subject to approval, this process takes only seconds after which you can complete your purchase and pay for it later!

Once your approved for an account you never have to sign up again and can continue to reuse it as much as you like.

For more info visit the FAQ tab on our website

Pay over time, on your terms

Join the 600,000+ customers who choose to pay with zip every day