Factory Buys Zip Pay – Shop Now, Pay Later Australia-Wide

Discover Factory Buys with Zip Pay. Shop online for mattresses, furniture, outdoor gear & more, Australia-wide. Flexible, interest-free payments. Own it now, pay later.

Flexible Payments for Everyday Buys

At Factory Buys, we’ve made upgrading your home easier than ever. Whether it’s a new mattress, furniture, outdoor gear, or décor—Zip Pay lets you take it home today and spread the cost over easy, interest-free payments*.

Why choose Zip Pay at Factory Buys?

✔ Instant Approval – Apply online and start shopping in minutes.

✔ Spend up to $1000 today and pay nothing

✔ Always interest free* – Pay over time only $9.95/mth account fee or $0 if nothing is owing.

✔ Flexible Payments – Spread repayments over a month or longer.

✔ Shop Our Full Range – Every Factory Buys product is available with Zip Pay.

Make it yours now. Pay when it suits you.

Your dream home is just a few clicks away.

Apply Now

Zip Money Makes Big Purchases Simple

Turn big purchases into manageable payments with Zip Money at Factory Buys. From furniture and mattresses to outdoor living and home décor, you can get what you need today and pay off up to 60 months interest free*

Why choose Zip Money at Factory Buys?

✔ Bigger Limits - from $1000 up to $5,000 – Perfect for larger purchases.

✔ Interest-Free Terms* – 3 months interest free*

✔ Low Fees – $9.95/mth account fee of $0 if nothing owning and a one off establishment fee of $99 my apply.

✔ Shop Our Entire Range – Every Factory Buys product is available with Zip Money.

Make it yours now. Pay your way.

Apply online in minutes and start shopping today.

Apply Now

  • We're local

    Zip and Factory Buys are Australian Owned and founded.

  • We're available at Factory Buys!

    Shop online at Factory Buys!

  • We're here to help

    Talk to our Sydney based customer service support!

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Factory Buys x Zip FAQs

How do refunds work?

If you return goods to Factory Buys for a refund, your Zip account will be credited with the agreed refund amount. The funds will then be put towards your owing balance or depending on the refund amount your account may be placed in credit.

How long does it take to apply?

Applications take around 5 minutes to complete. Make sure you have your online banking login details, proof of identity and employment information handy to help with a speedy application. Most applications are decided within the same business day, however applications submitted on weekends or that require further information may take longer.

How much can I apply for?

When applying direct with Zip.co you can apply for up to $5,000 with Zip Money, every purchase you make will automatically come with 3 months interest free on repayments*.

If you are looking to make a specific purchase via one of our retailer partners you may be able to apply for credit limits up to $50,000 and receive up to 60 months interest free*. Use the calculator at the top of this page to find out if the merchant you are shopping with has extended interest free terms.

How do the 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.

* Zip Money. Interest free term subject to minimum spend and promotional partner offer. Available to approved applicants only and subject to completion of satisfactory credit check. The repayment advertised will repay the transaction balance within the advertised interest free period. A monthly account fee of $9.95 applies and a one off establishment fee may apply for new customers. Under the contract, minimum monthly repayments are required and will vary depending on your credit limit. Instalment plans split eligible purchases of $300 and above into equal repayments within the interest free period. If you turn off instalments, transactions will be reverted to the minimum monthly repayment. Paying only the minimum monthly repayment may not necessarily repay a purchase within the interest free period. 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 are 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).