Zip Pay Late Fee Calculator

Calculate potential late fees for missed Zip Pay repayments based on current Australian fee structures.
This calculator is an estimate only and does not represent official Zip calculations.

Zip Pay Late Fee Calculator (Australia)

Outstanding Balance ($)

Minimum repayment missed?

Payment dishonoured?

How This Is Calculated

A $7.50 late fee applies if the minimum repayment is not made (typically enforced 7 days after the due date). A $5 dishonour fee may apply if a scheduled payment fails. A $9.95 monthly account fee may apply unless the statement balance is paid in full. Zip Pay does not charge interest.

This calculator provides estimates based on publicly available provider terms and does not constitute financial advice.

What triggers a Zip Pay late fee?

Zip Pay charges a $7.50 late fee if the minimum monthly repayment is not made by the due date. The fee is applied 7 days after the contractual due date.

Does Zip Pay charge a monthly account fee?

Yes. A $9.95 monthly account fee applies if you carry a balance. This fee is waived if you pay your closing balance in full by the due date.

What is a Zip Pay dishonour fee?

If a scheduled repayment is rejected by your bank (for example, due to insufficient funds), a $5 dishonour fee may apply.

Can Zip Pay impact your credit score?

Yes. Zip Pay is a credit product, and missed repayments may affect your credit score or be reported to credit reporting bodies.

Zip Pay Late Fee Calculator

Zip Pay Late Fee Calculator (Australia)

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