Finance options

My Ride Australia now offers multiple third-party finance options for online consumers. Please see all our options below.

+AfterPayZip PayZip Money
Account Limit$1,500$1,000Over $1,000
Interest free periodAlways interest freeAlways interest freeUp to 12 months interest free
Set Up Fee $0$0$0-$99 (one off fee added to your balance)
Minimum payments25% of your owing balance$40 a monthFrom $40/month or 3% (whichever is greater)
Monthly feesNo account fee$6/month, waived if you have no balance$6/month, waived if you have no balance

Own the way you pay with Zip!

Buy the things you love today and pay for them over time, interest free.

All you need is

  1. To be over 18 years of age
  1. To be an Australian citizen or permanent resident
  1. A valid email address and mobile number.
  1. To have a good credit history.
  1. To meet the verification criteria

To use this service

  1. Choose the account that's right for you. (Zip pay or Zip money)
  1. Sign up and get a decision in minutes.
  1. Select Zip at checkout.
  1. Log into your account to set up your repayment schedule to suit your lifestyle.
  1. Reuse your account anywhere you see the Zip logo.

Other things to note

  1. Choose from weekly, fortnightly or monthly payments to suit your lifestyle.
  1. Repayments start from $40 a month and are based on your account's credit limit.
  1. If your item meets My Ride’s online returns policy, the purchase amount will be credited back to your Zip account.
  1. For information on fees and the full terms and conditions of this service, visit the Zip website .

AfterPay - Buy now, pay later!

Afterpay offers shoppers a simple and affordable payment plan for online shoppers. Split your purchase into four equal interest-free fortnightly payments.

All you need is

  1. An Australian debit or credit card
  1. To be over 18 years of age
  1. To live in Australia

To use this service

  1. Add your items to your bag and checkout as normal
  1. In checkout select Afterpay as your payment method
  1. Enter your details with Afterpay and you're done!
  1. Your payment schedule will be emailed to you

Other things to note

  1. If you are a new Afterpay customer, the first payment will be made at the time of purchase, with payments over the next 6 weeks.
  1. Once you have been an Afterpay customer for at least 6 weeks for all orders under $500, your first payment is made in 14 days, with final payment in 8 weeks.
  1. If you wish to return your items you can choose an exchange, or the payment plan can be cancelled.
  1. For information on late fees and the full terms and conditions of the Afterpay service, visit the Afterpay website .


Pay securely online at My Ride with PayPal. Select Paypal as your payment method at checkout.

Full PayPal terms and conditions here .