• Be 18 years old.
• Be an Australian citizen or permanent resident.
• Be employed and receiving regular income (certain pensions may also be accepted).
• Have a good credit history.
• Have your own valid and verifiable email address and mobile number.
• Be a homeowner/homebuyer for credit applications of $5,000 or over.

             Read more information here on who can apply for Zip Money.

• Simply apply online (takes approximately 5 minutes).
• Create a Zip account.
• Choose the appropriate credit level and complete your application.
• You will receive an approval or decline notification.
•  Select Zip at checkout.
• Log into your account to set up a repayment schedule to suit your financial position.

• Zip Money is interest free, if you pay off your credit within the interest free period.
• Standard interest rate of 25.9% applies after the interest free period.
• The $9.95 monthly account fee is waived if you pay your balance by the due date.
•  If there's nothing owing on your account, there's nothing to pay and no fees.
• Read more here about repayments, interest and fees for Zip Money.

• Choose from weekly, fortnightly or monthly payments to match your financial position.
• Monthly repayments will vary based on your account's credit level.
• Read more here about repayments, interest and fees for Zip Money.

• Any changes or cancellations to your Trafalgar travel arrangements do not affect your credit agreement with Zip Money
• Standard Trafalgar cancellation and change of booking policies will apply. Please find full details here. If you are entitled to a full or partial refund, this amount will be credited to your personal bank account by Trafalgar. You will be responsible for fulfilling your credit arrangements with Zip Money.
•  Trafalgar pays Zip Money a merchant fee per transaction