Buy Cheapest Air Conditioner Afterpay | ZipPay | LayBuy | LattitudePay

ZipPay lets you make purchases now and pay later, without the need for a credit card. Once you sign up and get approved, you'll have a line of credit up to $1,000 and a shopping account. Using your account and credit line, you can make purchases which you then pay back in regular installments.

ZipPay is a cheaper alternative to AfterPay if you want to buy an Air Conditioner. Retailers who use ZipPay pay 15 cents plus commission for every transaction that is made via the lay-buy service. Like AfterPay, ZipPay compensates retailers instantly despite offering lay-buy services.

You should need to take care of the following things to get approved by ZipPay :

Payments are taken automatically via direct debit - you don't need to manually transfer money unless you would like to pay down your balance faster, and it doesn't replace your scheduled payment run!

Up to 60 days to pay with no fee. You have until the end of the month to pay off your balance for the account to remain late fee-free.

ZipPay accounts are capped at $1000, but the company has made it possible to increase your credit limit to $3000.

To request an increase of up to $5000. For that, you need to login to your Digital Wallet. Click on 'Account limit increase' option and select the limit increase you'd like to apply for.

ZipPay promotes itself as interest-free. It instead charges a fee of $6 a month on whatever is owed and an additional $5 if the minimum monthly payment of $40 is not made regularly on time. It also charges a 4% advance fee to the retailer; that is, it pays the retailer $960, and then collects $1,000 from the customer.

Yes, you can. You simply need to login to your account and select Make an additional payment option. This is the same method as a normal additional repayment.

3 months. Every Zip Money purchase comes with its interest-free period, from a minimum of 3 months. During this stage, your purchase won't incur any interest - which means if you pay off your purchase within this interval, you'll only pay the purchase amount plus any monthly account fees, if applicable.