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You choose how you pay it back over time.
(1) For Zip Pay - Minimum monthly repayments are required. A monthly account fee of $7.95 applies.This fee is waived each month you pay your closing balance in full. Available to approved applicants only. T&Cs apply.
(2) For Zip Money - Available to approved applicants only. Minimum monthly repayments are required. Paying only the minimum monthly repayment amount will generally not repay a purchase within the interest free period. Any balance outstanding at the expiry of the interest free period for the purchase will be charged interest free period for the purchase will be charged interest at the standard annual percentage rate, currently 19.9%. A $6 monthly account fee applies. A one-off establishment fee may apply for new customers. Terms & conditions apply and are available on application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.