ZipPay provides buy now, pay later payment plans through a mobile application. You can use it to shop online and in-store across Australia, but its payment plans can be expensive, and you face higher risks of long-term debt. A substitute for apps like ZipPay/ZipPay alternatives like loans from Lender
Types of Apps Like ZipPay/ZipPay Alternatives
There’s a different ZipPay alternative Australia for every need, budget and situation to ensure all eligible Aussies are covered. You can choose any of the following as an alternative to ZipPay through Cash Funds:
Bad Credit Loans as Alternative to ZipPay Australia
Bad credit loans are suitable for borrowers with poor or non-existent credit scores. They’re an excellent alternative to apps like Bundll and ZipPay if you’ve had a few financial issues in the past.
When you apply through substitutes to ZipPay apps like Cash Funds, you get free access to lenders specialising in helping bad credit borrowers. Lenders will concentrate on your affordability when assessing your application. You can borrow from $300 to $10,000 and get 3 to 24 months repayment periods without worrying about your credit score.
Unsecured Loans as a ZipPay Alternative Australia
Unsecured loans are an excellent alternative to ZipPay if you’re looking for quick cash to spend as you wish. Since the lender doesn’t waste time confirming the value or checking the security, approval and payout times are faster. You’re not required to use assets as security or to incorporate a co-signer.
However, the interest rate for unsecured loans can be higher than for secured loans because the lender takes on more risk. If you choose unsecured loans up to $2,000, you’ll not pay any interest. Lenders can charge interest rates up to 48% for higher amounts.
Unemployed Loans as ZipPay Alternatives Australia
Using apps like ZipPay to pay bills or access credit may not be possible if you don’t have a formal job. This makes substitutes for apps like ZipPay/ZipPay alternatives more suitable for unemployed borrowers. Unemployed loans from lenders at Cash Funds allow you to borrow from $300 to $10,000, provided you have an alternative source of income that earns you at least $350 weekly.
You’ll get access to specialised lenders who accept all kinds of income when you apply. These include pension, rental income, dividends, trust proceeds, child support, Centrelink and other government benefits.
Cash Advance as an Alternative to ZipPay
Apps like ZipPay Australia rarely provide you with cash. Instead, you get a line of credit to make purchases, and they often feature limited amounts. Cash advances from lenders at cash Funds are an excellent alternative to ZipPay Australia if you want to put money in your pocket for different financial needs.
You can get a cash advance from $300 to $10,000 paid out within hours on the same day you apply and repay in 3 to 24 months.
Features of Loan Alternative to ZipPay Australia
All ZipPay alternatives Australia at Cash Funds share the following features:
Higher Loan Amounts Compared to Apps Like ZipPay in Australia
It’s impossible to apply for lump sums above $1000 using apps like Bundll and ZipPay. With Cash Funds, you can apply for higher loan amounts up to $10,000 and have the funds deposited directly into your account.
More Flexible Repayments Than Apps Like ZipPay Australia
You’ll get more extended repayment periods from 3 to 24 months when you apply through Cash Funds. Lenders also allow you to choose frequencies of weekly, fortnightly or monthly repayments.
1 Hour Loans
You can get the funds you need in as little as 60 minutes when you apply for an alternative to ZipPay through Cash Funds. Lenders feature quick approvals and payouts.
Interest and Charges
You can expect 0% interest on loans up to $2,000 and below when you borrow through Cash Funds. You’ll only pay a 4% monthly fee and a one-off 20% establishment fee. When you borrow above $2,000, you can expect interest rates of up to 48%.
Pros and Cons of Alternatives to ZipPay Australia
Pros of Alternatives to ZipPay
Cash Funds only works with licensed, reputable and transparent lenders in Australia, ensuring your peace of mind at all times.
Quick Application Process
You can say goodbye to tedious and lengthy loan processes with Cash Funds. You only need a few minutes to complete the online application form and get approved.
Free Access To Specialised Lenders
Cash Funds gives you free access to lenders specialising in helping all kinds of borrowers. You don’t have to worry whether you have bad credit or a non-traditional job. Lenders will focus on whether you can afford the borrowed amount based on your income and monthly expenses.
Cons of ZipPay Alternatives Australia
You can get interest rates as high as 48%, which can make the borrowing option expensive.
Eligibility Criteria for Apps Like ZipPay/ZipPay Alternative
You must meet the following criteria to be eligible for alternatives to ZipPay from lenders at Cash Funds.
- Be 18 years of age or older.
- Be a citizen or permanent resident of Australia.
- Earn a regular income of at least $350 weekly.
- Pass the affordability assessment.
Application Process for Alternative to ZipPay Australia
You only need to complete a few simple steps to apply for substitutes to apps like ZipPay/ZipPay alternatives from lenders at Cash Funds. These include:
Step 1: Choose How Much and How Long You Need
The first step involves selecting the amount you wish to borrow and a suitable repayment period. You can borrow from $300 to $10,000 and choose to repay from 3 to 24 months. Check the repayment information to confirm you can afford the loan.
Step 2: Complete The Online Application Form
Capture your details by completing the easy online application form to allow lenders to verify that you qualify for a loan. Fill in your personal and financial information like your name, employment, income and monthly expenses.
Step 3: Get Instant Decision and Select An Offer
Within 2 minutes, you’ll receive feedback on your request and get multiple offers from lenders based on your application if you prequalify. Simply choose a suitable offer, and you’ll be transferred to their site to complete the process.
Step 4: Sign The Loan Contract and Get Your Loan
The lender will then send you a loan contract to review and accept. Read it carefully and pay attention to the terms and conditions of the loan. Once satisfied, simply sign it and return it to the lender. You’ll receive the approved amount in your account within hours on the same day you apply or the next business day at the latest.
What Other Apps Are Like ZipPay?
Other apps exactly like ZipPay include Bundll, AfterPay and Fupay. If you’re wondering what apps are like ZipPay, it’s those that offer buy now, pay later services or products that allow you to get what you need and spread the cost over time.
Why is ZipPay Declining?
ZipPay and other apps like ZipPay may decline if you’ve made purchase requests before you’re allowed to transact. The cost of the item may also exceed your limit on the ZipPay platform. To avoid such issues, consider alternatives to apps like ZipPay in Australia, which provide you with quick funds for purchases without restriction.
Can Apps Like ZipPay Australia Affect My Credit Rating?
Yes. Money apps like ZipPay can only affect your credit negatively. They don’t report repayments to help improve your credit score but will report defaults and hurt your credit score. Consider an alternative to ZipPay from Cash Funds if you want to improve your credit.
How Long Does it Take to Get Approved For ZipPay?
You may need to wait 24 hours after your application to get approved for apps like ZipPay Australia. A Loan from lenders at Cash Funds is a better alternative to ZipPay when you need cash in a hurry as it’s approved within minutes.
What is the Highest ZipPay Limit?
The highest ZipPay limit is $1500. For higher amounts and better deals, consider substitutes to apps like ZipPay/ZipPay alternatives from lenders at Cash Funds.