own it now, pay later

Zip gives you the freedom to buy the things you love today. No fuss, no wait, no worries.

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Nothing to pay today

We pay the store, you take the 
goods the same day.

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Interest free

Easy interest free payments. 
No hidden fees.

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Flexible repayments

Pay us back how you like - 
weekly, fortnightly or monthly.

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Reusable account

A reusable account with a 
limit that suits your needs.



All you need is:
  • A valid email address and mobile number.
  • Be at least 18 years old.
  • Be an Australian Citizen or Permanent Resident.
  • Have a good credit history.
  • Read more about what you need to apply for Zip Pay and Zip Money.
How to use Zip:
  • Choose the account that's right for you.
  • Sign up and get a decision in minutes.
  • Select Zip at checkout.
  • Log into your account to set up your repayment schedule to suit your lifestyle.
  • Reuse your account anywhere you see the Zip logo.
Fees & interest:
  • Zip Pay purchases are interest free, always.
  • Zip Money is interest free if you pay off your purchases within the interest free period.
  • Standard interest rate of 19.9% applies after the interest free period.
  • The $6.00 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.
  • Choose from weekly, fortnightly or monthly payments to suit your lifestyle.
  • Repayments start from $40 a month and are based on your account's credit limit.
Returns & refunds:
  • If your item meets Kira Kollective's returns policy, the purchase amount will be credited back to your Zip account.

Read more here about repayments, interest and fees for Zip Pay and Zip Money.



Kira is the visionary behind Kira Kollective (established in 2018), serving as the Founder and Director. Additionally, she holds the esteemed position of being the head Beauty Educator and Mentor of the Kira Kollective Academy.
Over the years, Kira has had the pleasure of guiding and welcoming more than 2500 students from across the globe in their exploration of the captivating beauty industry, from both Kira's In-Person and Online training courses.

With a steadfast commitment to personal and professional growth, Kira's next endeavor is to venture into the realm of Beauty Business Coaching. Her ultimate aspiration is to empower like-minded boss babes, providing them with invaluable support to elevate their businesses and transform their lives.

If you’re ready to take the leap into the beauty industry or to elevate your already made business then do not hesitate to reach out, Kira is here!