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ZIP Pay and ZIP Money

OZ Design offers you interest-free* finance allowing you to buy what you want today and pay for it over time. Use ZIP Money and take advantage of everyday interest-free* interest options with 'Buy Now. Pay Later.'

Available every day, including during sale and promotional periods, conditions apply. 

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All Zip Finance transactions are subject to an establishment fee dependent on the value of the sale - the establishment fee is paid directly to ZIP through your payment plan. These establishment fees are as below: 

$2,000 + - $25 establishment fee  

$3,000 + - $49 establishment fee  

$4,000 + - $75 establishment fee  

$5000 + - $99 establishment fee  

Payment periods are available as follows: 

6 months No (0%) interest for 6 months payment plan. Available for purchases in-store and online. Sale pricing applies to finance transactions. Finance offer subject to approved customers only.  

12 months No (0%) interest for 12 months payment plan. Available for purchases in-store and online, minimum spend of $1999 applies. Promotional pricing applies to finance transactions. Finance offer subject to approved customers only. Offer excludes clearance items and not in conjunction with any other offer.

Please refer to our Promotional Terms and Conditions page to see if ZIP qualifies with the current offer.

Zip Money Instalment plans split eligible purchases of $300 and above into equal repayments within the interest free period. This feature assists you to avoid interest charges for that transaction. Turning off instalments and/or under the contract, minimum monthly repayments are required. Paying only the minimum monthly repayment amount will not repay a purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged at the standard variable rate. From 31 July 2023, the standard variable interest rate for new all Zip Money customers will be increased to 25.9% per annum. A monthly account fee of $9.95 applies and a one-off establishment fee may apply for new customers. 

Zip Money is available to approved applicants only. Please speak to your sales consultant for further information. Other Terms applying to all ZIP Finance Transactions Minimum monthly repayments apply*. Other conditions, fees and charges apply and are available on application. Credit is provided by Zip Money Payments Pty Ltd ABN 58 164 440 993 (Australian Credit Licence Number 441878).  

Click here to find out more about our Zip Money interest Free* finance options