Zip Money^®

Dreaming of your own spa but not ready to cover the full cost upfront? With Zip Money^®, you can unwind sooner and pay over time with flexible repayments. It’s a stress-free way to bring spa living into your everyday routine.

What is Zip Money^®?

Zip Money^® is a reusable line of credit that lets you buy now and pay later for purchases from $1,000 to $5,000 or up to $50,000 through partnered merchants, including Spa World.

Zip Money^® is designed to give you flexible, interest-free payment options, making it easier to budget without added pressure. It’s essentially a smarter way to finance big-ticket items, giving you room to enjoy them now and pay them off gradually.

Disclaimer: T&Cs and credit approval criteria apply. A monthly account fee of $9.95 will apply. A one-off establishment fee may apply for new customers. Any balance outstanding at the expiry of the interest free period will be charged at the standard variable interest rate, 25.9% per annum, as at 1 June 2023. Other charges may be payable, see T&Cs. Interest, fees and charges subject to change. Minimum monthly payments are required and vary depending on credit limit. Paying only the minimum monthly repayment may not repay a purchase within the interest free period. Paying the minimum monthly repayment may result in paying off the purchase before the interest free period expires. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.

How do I finance a spa with Zip Money^® at Spa World?

Financing your spa with Zip Money^® at Spa World is simple and flexible, making it easier to bring home the spa you’ve been dreaming of.

Here’s how it works:

• Apply online with Zip: The application only takes a few minutes, and approval is usually fast. Depending on your profile, you could access a credit limit from AU $1,000 up to $50,000, giving you the flexibility to cover the cost of a spa or swim spa.
• Enjoy flexible repayments: Start from just $10 a week, with options to pay weekly, fortnightly, or monthly.
• Low account fees: Pay no monthly fee when your balance is zero. Otherwise, a small $9.95 monthly account fee applies.
• One-off establishment fee: Up to $99, depending on your approved limit.
• Pay it off early anytime: Make extra repayments or clear your balance whenever you like, with no penalties.

With Zip Money^®, you can start enjoying your spa sooner while paying it off in a way that suits your budget.

What do I need to apply for Zip Money^®?

You’ll need:

• Your mobile number, personal email, and employment details
• Your residential details
• Your online banking login to verify your income
• Your passport, driver's licence, or Medicare details

Why Choose Zip Money^® at Spa World?

• Sign up in minutes – Applying is quick and simple, so you can get approved and start planning your new spa today.
• Shop directly with Spa World – Use Zip to pay for spas, swim spas, and accessories, both online and in-store.
• Flexible repayments – Choose a payment schedule that suits your lifestyle, starting from just $10 a week, so you can relax in your spa while paying at your own pace.

How do Zip Money^® repayments work?

Your repayments are automatically debited from the payment method linked to your account. You can update this payment method at any time and choose to make repayments weekly, fortnightly, or monthly, as long as you meet the minimum monthly repayment requirement. It’s designed to be flexible, so you can pick the schedule that suits you best.

What are the fees with Zip Money^®?

Zip Money^® fees are simple and transparent, so you’ll always know what to expect:

• Monthly account fee: $9.95 (waived if your balance is paid in full by the due date).
• One-off establishment fee: $0–$99, depending on your approved credit limit.
• Late fee: $15, applied 7 days after the due date if the minimum repayment isn’t made.
• BPAY bill payment fee: $2.50 per bill payment.
• Foreign exchange fee: 3% of the transaction value when using a Single-Use Card for purchases processed outside Australia.

What are Zip Money^®’s terms and conditions?

T&Cs and credit approval criteria apply. A monthly account fee of $9.95 will apply. A one-off establishment fee may apply for new customers. Any balance outstanding at the expiry of the interest free period will be charged at the standard variable interest rate, 25.9% per annum, as at 1 June 2023. Other charges may be payable, see T&Cs. Interest, fees and charges subject to change. Minimum monthly payments are required and vary depending on credit limit. Paying only the minimum monthly repayment may not repay a purchase within the interest free period. Paying the minimum monthly repayment may result in paying off the purchase before the interest free period expires. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.