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Faster, easier shopping, whenever and wherever you like!

Zip pay logo

Online & Instore

Zip now, pay later

Why Zip?

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

Add it - Zip pay

Add it

Choose the items you love

Zip it

Zip it

Select Zip at checkout (Get the Zip app to create an account)

Repay it - Zip Pay

Repay it

Set your repayments and enjoy your purchase

Whatever you want from Target Australia, there's a Zip for that

Two great ways to help you own it

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Account for everyday purchase*

  • Up to $1,000
  • Account limits Up to $1,000
  • Interest Interest free, always
  • Minimum repayments From $40/month
  • Establishment Fee $0
  • Monthly fees $6.00/month (waived if you have no balance)

*Zip Pay: Minimum monthly repayments are required. A monthly account fee of $6.00 applies. Pay your closing balance in full by the due date each month and we'll waive the fee. Available to approved applicants only. T&Cs apply.

See here for details

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Account for larger purchase**

  • Over $1,000
  • Account limits$1,000 - $5,000
  • Interest free periodUp to 6 months interest free**
  • Minimum repaymentsFrom $40/month or 3% of the outstanding balance (whichever is greater)**
  • Establishment FeeA one-off establishment fee may apply.
  • Monthly fees$6.00/month (waived if your statement balance is zero)

**Zip Money: Available to approved applicants only. Minimum monthly repayments are required. Paying only the minimum monthly repayment amount will generally not repay a purchase within the interest free period. Any balance outstanding at the expiry of the interest free period for the purchase will be charged interest at the standard annual percentage rate, currently 19.9%. A $6.00 monthly account fee applies. A one-off establishment fee may apply for new customers. Terms & Conditions apply and are available on application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.

See here for details

*Zip Pay: Minimum monthly repayments are required. A monthly account fee of $6.00 applies. Pay your closing balance in full by the due date each month and we'll waive the fee. Available to approved applicants only. T&Cs apply.

**Zip Money: Available to approved applicants only. Minimum monthly repayments are required. Paying only the minimum monthly repayment amount will generally not repay a purchase within the interest free period. Any balance outstanding at the expiry of the interest free period for the purchase will be charged interest at the standard annual percentage rate, currently 19.9%. A $6.00 monthly account fee applies. A one-off establishment fee may apply for new customers. Terms & Conditions apply and are available on application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.

See here for details

Frequently asked questions

Yes, Zip is available both online and instore.

If you are new to Zip, download the Zip App and/or signup online at zip.co. Please ensure you have the latest version of the Zip App on your mobile device.

Shopping Instore:

Click on the instore tab within the Zip app to access your barcode and scan it to complete your payment.

Shopping Online:

When in checkout select the Zip payment option and follow the prompts to login to Zip and complete your payment. If you are shopping on the Target App, please ensure you have updated to the latest version.

All gift cards and e-gift cards are excluded from purchase with Zip. If an item from the excluded product list is added to a basket, Zip will not be selectable for the customer at checkout.

Yes, your purchase limit is the amount of credit available in your Zip account.

Please refer to Zips full Terms and conditions for details of Fees.

Returns and refunds can be made instore or online. Please refer to our Refunds & Returns page for more information. To arrange an exchange, please go instore. Find your nearest store

Please note that Zip is not a service provided by Target. It is a facility offered by Zip Co Limited.
Visit zip.co
See full Ts & Cs

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