Zip Pay
Zip Pay doesn’t charge interest on purchases. A monthly account fee can apply unless you meet Zip’s conditions for waiving it, other charges can apply too, and minimum repayments are required. Read the current Zip agreement before you apply.
Zip Pay and Zip Money
Paying With Zip
Lots of people already pay with Zip at the shops. It’s also one of the ways you can pay us, if Zip approves you. We’ll explain your treatment estimate, and Zip sets the account terms and makes the approval decision.
Zip is a credit product. Approval, fees, minimum repayments and terms and conditions apply.
Zip’s current terms name the credit provider and its licence, and list the fees and charges. Read them before you apply.
Two accounts
Zip Pay or Zip Money: what’s the difference?
They’re two different accounts with different rules. Before you apply, ring us on (08) 9407 7888 and we’ll tell you which one we can take for your treatment.
Zip Money
Zip Money has an interest-free period for eligible purchases. Interest can be charged on any purchase balance left when that period ends. Account fees and an establishment fee can apply, and paying only the minimum repayments might not clear the purchase before interest starts.
The fine print
Before you decide, add up the costs
Splitting the bill is the easy part. What matters is your approved limit, the repayment dates, the fees, any interest and what a missed payment costs.
- Your approved credit limit, and how much of it is free to spend.
- The minimum repayment, the payment dates and how long repaying could take.
- Account fees, any establishment fee and the charge for a missed payment.
- For Zip Money, the interest-free period on your purchase and the interest rate once it ends.
Zip looks at each application and can run a credit check. Meeting the eligibility rules isn’t the same as being approved. Think about the total cost, and whether the repayments fit your budget.
Before your visit
Using Zip for your visit, step by step
Being approved for finance doesn’t mean you need the treatment, or that it’s right for you. Ask whatever you like, and take your time before deciding.
- 01
Come in for an examination
Your dentist will look at what’s bothering you and explain any treatment they recommend, with its benefits, risks and alternatives. Ask for an estimate showing what’s included and when payment is due. Whether a treatment is right for you only becomes clear after an examination.
- 02
Get your Zip account sorted
Check with us that Zip is available for your treatment. If you decide to apply, go through Zip’s eligibility rules and account conditions with Zip directly. If you already have an account, check your available balance and what you’ll owe.
- 03
Let us know before the day
Tell us you’d like to pay with Zip before your treatment appointment. We’ll explain how the payment goes through here, and whether any amount needs paying another way.
Zip, in practice
Zip questions we get asked
The practical things that come up when you pay with Zip, from health fund gaps to repayments that get hard.
Ring us on (08) 9407 7888 and we’ll tell you whether Zip can be used for what’s left after your health fund benefit. That benefit comes down to your policy, your limits and the treatment, so we can explain the likely gap, and your insurer can confirm your cover.
Talk to us before treatment about how the rest would be paid, and don’t count on your credit limit going up. If cost is a worry, ask your dentist whether there’s another option that’s clinically sound, or whether the care can be done in stages.
No. Approval opens a credit account. It doesn’t replace your consent to treatment, and you can talk the proposed care through with your dentist before deciding. Check your Zip agreement for anything you’re committing to by opening or using the account.
Ask us for an updated estimate, and an explanation of what changed, before agreeing to anything extra. If a payment has already gone through Zip, ring us to sort out the billing. Any change to your account is still subject to Zip’s terms.
Contact Zip as soon as you’re worried about a payment. Zip handles repayments, account charges and hardship support. For questions about our invoice, ring us, though we can’t change your Zip account conditions.
