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What is Zip Money?

When it comes to your travel arrangements, we know that flexibility is important.  So Trafalgar has partnered with Zip Money to give you additional payment options.

Take advantage of Trafalgar's Early Payment Discounts today. Book your next holiday now and pay it off with a Zip Money flexible payment plan.  Your booking will also receive our Flexibility Promise allowing you to change your Trafalgar travel plans up to 60 days before travel.

Account Limit $1,000 to $20,000 subject to credit approval from Zip Money
Interest Free Period No interest for up to 12 months^
Set Up Free $49-$99
Minimum Repayments Will vary to reflect the credit amount. See example below#
Payment Frequency Flexible - weekly, fortnightly or monthly
Account Fee $6/month where there is an outstanding balance
Late Fee Learn more about Zip Money late fees here

^Current rate of 23.9% on oustanding balance after interest free period expired

# $5,000 credit requires an $80 minimum monthly repayment or 1.5% of the outstanding balance, whichever is greater

Frequently Asked Questions

Frequently Asked Questions

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What do i need to use Zip Money?

  • 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.

How do I use 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.

What about fees and interest?

  • Zip Money is interest free, if you pay off your credit within the interest free period.
  • Standard interest rate of 23.9% 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.
  • Read more here about repayments, interest and fees for Zip Money.

What kind of repayment plan can I choose?

  • 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.

What if I need to cancel my trip - will I get a refund?

  • 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