Buy now up to $1000,
and pay later.
Lectory has teamed up with zipPay to give you the opportunity to pay for your purchase with flexible monthly payment plans.


Get a decision in real-time





What is zipPay?

zipPay is a simple and secure payment option, that lets you shop today and pay later for your purchases.

How zipPay works?




Apply now, and get a decision in minutes


zipPay pays Lectory on your behalf -today.


You pay zipPay in monthly payments



Frequently asked questions

Who can apply

  • Must be 18 years of age
  • Must be an Australian citizen or a resident
  • Must be employed in some capacity

How much does it cost?

At the end of every month, you can choose to pay off your balance in full, or simply make a payment that suits your budget (note: there is a minimum repayment of $40 per month required). A Monthly Service Fee of $5 applies. This fee is waived if you pay your balance in full by your due date.
There is NO establishment fee to set up your account and Interest-Free Always! If you have repaid your balance down to $0 by your due date (up to 60 days after your purchase), you will never be charged any additional fees.

How do I create an account?

You can CREATE AN ACCOUNT HERE or while making a purchase at any participating stores. To sign up, all you need is a social media account and to confirm the details that you would normally enter when shopping online (e.g. your name, email, mobile, address, DOB, and gender). Subject to approval, this process takes only seconds after which you can complete your purchase and pay for it later! Once your account is created you never have to sign up again and can continue to reuse it as much as you like.

Where can I find out more?


Terms and Conditions

Approved applicants only. You may be approved for a lower limit. $5 monthly service fee applies. Pay balance by the due date and the service fee is waived. No balance. No fee. See contract for details. zipMoney Payments Pty Ltd. ABN 58 164 440 993.Visit to find out more.