Hot water systems don’t discriminate when and where they expire. Emergencies can happen at the most inconvenient times and, we understand, you may not have savings set aside for home improvements. But a broken hot water tank isn’t something you can put up with for long. If your system breaks suddenly and you’re not prepared, we can arrange an interest-free payment plan for instant hot water system emergency replacements.

Thanks to our friends at Zip, you won’t have to worry about putting the money together now for the installation cost and stretching yourself too thin for months. They offer the Zip Pay or Zip Money interest-free payment plans for qualifying customers, which can cover smaller portions of your replacement if you’re only needing a little assistance, or up to $5,000 if you need the whole thing covered. Some information on the differences between these two and the terms and conditions can be found below, or get in touch with our team to find out more!

Zip Pay is an interest free buy now pay later product offering a credit limit of up to $1,000. You can buy what you love and enjoy the flexibility of paying it off over time.

• Apply in under 4 minutes and start shopping instantly once approved

• Instant access to a digital Visa card that works online and instore, anywhere Visa is accepted

• Repay from $10/week A $9.95 monthly account fee applies, waived if nothing owing.

Zip Money is a line of credit with limits between $1,000 and $5,000 when customers apply directly with Zip, or $50,000 when customers apply through select Zip retailers. You’ll enjoy a guaranteed interest free period of 3 months across all purchases and up to 5 years with some Zip’s retailers.

• Repay from $10/week

• A one-off establishment fee for certain credit limits may apply

• A $9.95 monthly account fee applies, waived if nothing owing at the end of each month

Zip Pay:

• Monthly Account Fee: $9.95 (waived if you pay your statement closing balance in full by the due date).

• Late Fee: $7.50 if you miss the minimum repayment, charged 7 days after your due date.

• Foreign Exchange Fee: If you use a Zip Visa Card or a Single-Use Card to make a ‘foreign transaction’ (being a transaction made with a merchant or processed by a financial institution located outside Australia), a fee charged at 1% of the value of the foreign transaction.

Zip Money:

• Monthly Account Fee: $9.95 (waived if you do not have an outstanding balance at the end of the month).

• One-off Establishment Fee: $0 – $99, depending on your approved credit limit.

• Instalment Fee: 1.5% of the transaction amount per month for extended interest-free periods.

• Late Fee: $15 if the minimum repayment isn’t made, charged 7 days after your due date.

• BPAY Bill Payment Fee: $2.50 per bill payment.

• Foreign Exchange Fee: If you use a Single-Use Card to make a ‘foreign transaction’ (being a transaction made with a merchant or processed by a financial institution located outside Australia), a fee charged at 3% of the value of the foreign transaction.

For full terms and conditions see https://zip.co/au/zip-pay