Pay Later

A healthy payment option
zipMoney allows you to spread the cost of your treatment with flexible interest-free payments, on your terms
Get a decision in real-time


zipMoney is a safe, simple and convenient way to manage the cost of your healthcare. It provides you with the ability to obtain the care you need right away, and the flexibility to pay over time in installments that suit you.

How does zipMoney work?


Complete your application online and open an account in minutes


Contact your clinic or doctor to authorise payment


zipMoney pays for your treatment direct to the clinic on your behalf


You pay zipMoney over time

Frequently asked questions

What are the benefits?

Up to 12 months’ interest free on each payment to your health provider.
Once the account is opened, payment is authorized simply when the clinic send a request to login to your zipMoney account to authorize payment. Simply sign-in to your digital wallet, confirm and pay.
No deposit required, apply for an account limit that will cover the full cost of treatment. Any unused funds will remain as available credit in your account.
The virtual account can be used for any future out of pocket costs. No need to use your credit card or seek a loan elsewhere.
zipMoney ensures you can get the treatment you need, with the flexibility to spread the cost over time. The entire process is paperless and can be completed in a matter of moments.
zipMoney has been designed to be safe, simple and easy to use.

Who can apply

You must be 18 years of age
You must be an Australian citizen or a resident
You must be employed in some capacity

How can I apply?

Click APPLY NOW and complete the easy 3 minute application.


What’s next?

Once approved and you accept the terms and conditions, you have a zipMoney fund account. Simply contact your healthcare practitioner or clinic and let them know you would like to pay for your treatment with ziMmoney. We pay them on your behalf when the clinic wants to be paid.

What else should I know?

Although zipMoney’s interest free plans allow you to get the healthcare you need today without paying anything upfront – it is a loan and must be paid back. Failure to do so could affect your future credit rating.

Whilst interest free for up to 12 months, interest will start to accrue after the interest free period. To keep you on track, you can see your interest free balance, estimated repayment time and change your payment schedule in your digital wallet at any time.

What are the fees?

No deposit, so you can receive your treatment with nothing to pay today
A one off establishment fee and minimum monthly payments apply. These are simply added to your interest free balance. See contract for details.
After the interest free period, interest will accrue at the standard annual percentage rate.
A small monthly admin fee of $4.95 is also applicable for months you have a balance owing.

Please refer to your contract, terms and conditions for further information.

Where can I find out more?

zipMoney Patient Care: 02 8294 2345