Design Now, Pay Later

Interest-Free Options Available



Interest-Free Options Available



Now Available Online and In-store


Interest-Free Options Available



Now Available Online and In-store


Create inspirational spaces with Coco Republic's Interest Free options. Explore our stunning range of homewares and furniture, curated to elevate your home to new heights. With interest-free options available through Zip Money, achieving your interior design dreams has never been easier. Whether you shop in-store or online, you can enjoy 0% interest for 12 months, making it convenient to furnish your space with our exquisite selection. 

Apply for Zip Money Here




  • How do I apply for interest free payments?

    Create Inspirational Spaces with Interest-Free Options at Coco Republic via Zip Money, avaliable in-store and online. You can apply for Zip Money Here

  • What's the difference between Zip Pay and Zip Money

    Zip Pay is an interest-free buy-now-pay-later service with a credit limit of up to $10003. Repayments are based on a minimum monthly payment from as little as $10 per week. A $9.95 monthly account fee applies, we will waive the fee if you pay your statement closing balance in full, by the due date. With Zip Pay, you can shop everywhere you see the Contactless Symbol when you add your Zip card to your Apple or Google wallet**.

    Zip Money is a line of credit with credit limits between $1,000 and $5,000 for regular accounts and up to $50,000 for specific merchants. Zip Money offers customers a guaranteed interest-free period of 3 months across all products and up to 36 months with some retailers1. Zip Money accounts may incur a one-off establishment fee for certain credit limits. A $9.95 monthly account fee applies.

    Both products also feature our Shop Everywhere card, which you can use at any online retailer that accepts Visa**.

  • Is Zip suitable for everyday purchases?

    Zip is perfect for everyday purchases and offers the ability to transact just about everywhere, so you can manage all your expenses in one place and repay on a schedule that suits you.

    To shop instore, Zip Pay users can tap to pay at checkout.** To get started with tap to pay, simply navigate to the Zip app and click on the pay tab in the bottom menu. From there, you can follow the prompts to set up your card and add it to your Apple Pay or Google Pay wallet.

    To shop online, use the Zip mobile app and generate a single-use card at the checkout anywhere Visa is accepted.**

  • How do repayments work?

    Repayments are automatically direct debited from the payment method that you added when you created the account. You can change the payment method at any time and the frequency of your payments to weekly, fortnightly or monthly as long as you're covering the minimum monthly repayments. Choose what works best for you.

  • What are the fees?

    With Zip Pay a $9.95 monthly account fee applies, we will waive the fee if you pay your statement closing balance in full, by the due date. With Zip Money a $9.95 monthly account fee applies which is waived if you have nothing owing.

    For Zip Pay, one late payment fee of $5. A customer will be charged an additional late fee where they have caught up on all repayments and then miss another repayment at a later date.

  • Is Zip a buy now, pay later like Afterpay, Klarna, Humm and Latitude?

    Yes! Zip allows you to shop just about everywhere, online and instore. We give you the flexibility to set your repayment schedule to suit your lifestyle – choose weekly, fortnightly, or monthly. You can also pay your bills, manage your subscriptions, buy gift cards and earn rewards when you use the Zip app.

Terms & Conditions

Zip Money, Design Now, Pay Later​

12 months:​
*Term only available for purchases of $2,000 or more. Available to approved applicants only and subject to completion of satisfactory credit check. Minimum monthly repayments are required. Paying only the minimum monthly repayment amount will generally not repay a purchase within the interest free period. A monthly account fee of $9.95 will also apply and 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. 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) Offer is subject to availability and while stocks last. Promotion is not valid in conjunction with any other offer. Coco Republic’s standard terms and conditions apply to this promotion. Discount applied to the recommended retail price for full-price products only. Coco Republic reserves its right to vary, amend and/or cancel this offer during the Promotional Period. Available in Australia only.​