Want it

Create your account
in moments and select Zip at checkout

Get it

We pay the store.
you get the goods, nothing to pay today

Own it

Choose how you pay
us back over time, upto 12 months interest free


The smarter way
to pay for what
you want today

Reusable account

We give you one acount with one
monthly statement, no matter
how many times you shop

Interest free

Easy interest free terms.
No hidden fees or upfront

Flexible payments

Choose repayments that suit
your lifestyle - weekly, fortnightly
or monthly

We own easy

We make it easy for you to never pay
interest again. Simpy pay off your
purchase before interest free period
ends, and you get to enjoy what you love
even more.

Interest free. Easy as



  • What is Zip Money?
    Zip Money is a reusable account that lets you buy now and pay later. Shop online and instore up to your account limit, then set flexible repayments to suit your lifestyle. There’s no deposit and every purchase comes with it’s own interest free period.
  • How does it work?
    Apply and get a decision in minutes. Once approved, start shopping online and instore, anywhere you see Zip at checkout. That’s it - the items are all yours, with nothing to pay today. Simply pay over time with great interest free terms on every purchase.
  • How do repayments work?
    Repayments start from just $40 a month and are based on your account’s credit limit. Simply choose from weekly, fortnightly or monthly, and pay any amount you like as long as you meet the monthly minimum for your account (outlined in your contract).
    Every Zip Money purchase comes with an interest free period. Pay off your purchase within this period and you won’t pay any interest. After this period, a standard interest rate of 19.9% will apply to any remaining balance.
    You can also make additional payments at any time, and there are no penalties for paying off your purchase early. Finally, if there’s nothing owing on your account, there’s nothing to pay and no fees. Your account simply remains active until you’re ready to make a purchase.
  • Am I eligible for Zip Money?
    To be eligible to apply for a Zip Money account, you need to:
    • Be an Australian citizen or permanent resident
    • Be at least 18 years of age
    • Be employed in some capacity, earning more than $300 per week
    • Have not declared bankruptcy or insolvency
    We’ll then apply our lending criteria to each application.
  • What are the fees and interest?
    Every Zip Money purchase comes with a minimum of 3 month interest free period with some retailers offering up to 48 months interest free. After the interest free period, a standard interest rate of 19.9% p.a. applies.
    There may be a one-off set-up fee depending on your account limit, which we’ll add this to your balance so there’s nothing to pay upfront. There’s a $6.00 monthly account fee, which is waived if your closing balance is paid by the due date. No balance no fee
    Finally, we may charge a $15 late payment fee if you don’t meet the monthly minimum, and a $5 bank dishonour fee if your scheduled payment was rejected or dishonoured by your bank. That’s it.
  • How do refunds work?
    Start by speaking to the retailer - if they agree, they will process the refunded amount which will appear back in your Zip account. If a refund puts your Zip account in credit, you can contact us to have the amount refunded to your bank account instead. Or, simply use it for your next purchase.
More FAQs
Zip is an Australian ASX listed company.
Visit zip.co



Shop Online

A straight up game changer, Afterpay gives you flexible payment options when you shop with Mobile Mattress Store. Rather than having to fork out all the cash at once, when you purchase through Afterpay, you can pay the cost of your items over four easy to manage repayments. Designed to suit you and your schedule best, payments are set up as fortnightly equal instalments. For more information or to apply. https://www.afterpay.com.au/buy-with-afterpay/

Mobile Mattress is excited to offer you the Afterpay payment option that allows you to ‘Sleep Now, Pay Later, Interest Free’. Afterpay offers interest free payment plans for your online purchases at mobilemattress.com.au. You buy what you want today, receive your order just as normal and pay it off in four equal, interest free fortnightly instalments.


How do you pay with Afterpay

Spend from $99 up to a maximum of $800 in a single transaction on items marked with the Afterpay logo and then:

What do you need

  1. To be over 18 years of age
  2. Have a valid and verifiable email address and mobile number
  3. Use an Australian credit or debit card to make the purchase

Other important information:

  • Afterpay is only available for Mobile Mattress purchases online at mobilemattress.com.au and is not available in store
  • Afterpay is only available on items marked with the Afterpay logo. It is not available on gift cards, top-up cards, pre-ordered, back-ordered or waitlisted merchandise
  • The funds required for your first payment must be available on your nominated card at the time of checkout
  • If you wish to return your Afterpay purchase via Post, Mobile Mattress's normal returns policy applies
  • If you return your Afterpay purchase in store, your purchase can not be refunded and it can only be exchanged for an alternate product or returns card to an equal or lesser value
  • If a payment is due from you, but not received by Afterpay in accordance with the payment schedule, a late payment fee will be charged.

For more Afterpay Facts please see below.

To see Afterpay’s complete terms, visit http://www.afterpay.com.au/terms

Afterpay Facts

  1. What is Afterpay
    Afterpay is a new payment option available for online orders of Mobile Mattress products at mobilemattress.com.au. Afterpay allows customers residing in Australia to have their online Mobile Mattress order shipped to them as per normal and pay for their order over four equal instalments, interest free.

  2. Why is Mobile Mattress introducing this new payment option?
    Afterpay is being introduced as another payment option, allowing you to order and receive items straightaway, without having to wait until you can pay in full for the order. Using Afterpay means you can pay your order off over four instalments, plus you can secure items before they sell out.

  3. Is Afterpay exclusive to Mobile Mattress?
    No, Afterpay is a service provided by Afterpay Pty Ltd, which is a third party service provider also used by many other leading online retailers in Australia.

  4. Who can use Afterpay?
    Afterpay is available as a payment option if you:
    • To be over 18 years of age
    • An Australian residential address
    • Have a valid and verifiable email address and mobile number and
    • Use an Australian credit or debit card to make the purchase

  5. What will Afterpay cost me?
    You will not pay anything extra when you choose to use Afterpay as your payment option, You will pay your instalments directly to Afterpay in accordance with the payment schedule Afterpay will send to you via email. If a payment is due but not received by Afterpay in accordance with their payment schedule, late payment fees will apply (see the Afterpay website here for more details). In addition, because an Afterpay account is linked to your credit or debit card, standard card fees and charges may be applicable. You should refer to your card issuer's terms and conditions for full details of these.

  6. What Mobile Mattress products can be paid for using Afterpay as the payment method?
    Afterpay is available only on those products sold by Mobile Mattress online at mobilemattress.com.au. that are marked with the Afterpay logo. If the Afterpay logo is not displayed, it means the product is not available to purchase using the Afterpay payment option.

    If any item in your cart is not eligible for Afterpay, you can still pay with any of our other convenient payment options. Alternatively you can remove the ineligible items from your cart to proceed with payment by Afterpay.

  7. Is there a minimum spend for Afterpay?
    Yes, the minimum order value (including delivery) for Afterpay is AUD$99

  8. Is there a maximum spend for Afterpay?
    Yes, the maximum order value (including delivery) for Afterpay is AUD$800

  9. How are the Afterpay instalments calculated?
    The Afterpay instalments quoted on a product represent 1/4 (25%) of that product's current price excluding any delivery charges that may be applicable.

    Delivery costs will be added into the quoted instalment rate payable when you have selected your preferred delivery method at checkout, and have selected Afterpay as your preferred payment option.

  10. Where can I find out more about Afterpay?
    The Afterpay website provides a very comprehensive list of FAQs at: www.afterpay.com.au/faqs. If you still can't find out what you need here, contact Afterpay directly by emailing info@afterpay.com.au or calling 1300 100 729.

  11. Do I need to register with Afterpay prior to making my first Afterpay purchase with Mobile Mattress?
    No, you simply need to choose Afterpay as your payment method at checkout.

  12. Will I need to fill out a credit application form to use Afterpay?
    No, because your Afterpay account will be linked to your nominated credit or debit card that has already been approved via your chosen credit/banking provider.

  13. How do I select to pay using Afterpay?
    Simply choose Afterpay as your payment option at the checkout

    For customers using Afterpay for the first time, you will need to provide payment details as usual to complete your purchase. However, once your first Afterpay order is approved by Afterpay and you activate your account by choosing a password, your Afterpay account will be created and you will be able to make more purchases using Afterpay by simply entering your Afterpay log in details upon checkout.

  14. How long does it take for payment via Afterpay to be approved?
    Assuming you meet all of the necessary criteria (noted below) and you don't already have too many outstanding Afterpay orders, the approval process is instant.

  15. Will I always be approved by Afterpay?
    No, you may be declined if you have too many outstanding orders with Afterpay or in accordance with Afterpay’s terms and conditions. You will need to make some payments towards some of your previous Afterpay purchases (by logging into your Afterpay account and selecting "Pay Now") before trying to make another purchase using Afterpay. If you do not believe this to be the reason for being declined, or you make payments to Afterpay and are still declined, you will need to contact Afterpay directly by sending an email to info@afterpay.com.au or by calling 1300 100 729.

  16. Can I pay for products on backorder or pre-order using Afterpay as the payment method?
    Afterpay cannot be used to pay for products on backorder or pre-order because the availability of these items cannot be guaranteed. You can still purchase these items using our other convenient payment options.

  17. When will my Mobile Mattress order (paid for using Afterpay) be sent to me?
    When you pay for your Mobile Mattress order using Afterpay, your order will be released for processing and dispatch as per any other order paid for in full at the time of order (eg. by credit card) and you can expect to receive your Mobile Mattress delivery according to your chosen delivery option timeframes.

  18. Can I split an order to pay some by Afterpay and the rest by some other means? (eg. credit card)
    No, you cannot split your payment for one order over Afterpay and any other payment method. You would need to place two separate orders – one to be paid for via Afterpay, and the other to be paid for by whatever other payment option you wish to use (e.g. credit card or Paypal).

  19. Who should I contact if I have any questions about my Afterpay account?
    You can first review Afterpay's own "frequently asked questions" on their website at www.afterpay.com.au/faqs. If you require further assistance about your Afterpay account you can contact Afterpay directly by sending an email to info@afterpay.com.au or by calling 1300 100 729.

  20. How can I view my Afterpay payment schedule?
    The payment relationship is between you and Afterpay, and at any time you can log into your Afterpay account to see your payment schedule and make a payment before the due date if you wish. Otherwise Afterpay will automatically deduct the instalments from your credit or debit card every fortnight.

  21. How will I know when I need to pay my further three instalments?
    Upon placing an order with Mobile Mattress using Afterpay as your payment method, you will be sent an email from Afterpay showing your payment schedule.

  22. Can I cancel or change an order paid for using Afterpay?
    Mobile Mattress is unable to access your order once it has been placed. To ensure efficient processing, your order is closed as soon as it is processed, however once your order has been received, you can post any items that you no longer require back to Mobile Mattress.

  23. Can I return items paid for using Afterpay?
    Yes. If a product is not right and you require a refund then the item must be returned to Mobile Mattress in accordance with our Returns policy. In this case, refunds will be issued shortly after Mobile Mattress processes your returned item/s. The returned item/s will create an adjusted Afterpay payment schedule (to remaining payments). Afterpay will communicate these payment changes to you via email.

    You can not obtain a refund for an Afterpay purchase in store. All refund requests must be made via post.

  24. Can I exchange items from an order originally paid for using Afterpay?
    Yes, you can exchange an item(s) for replacement items(s) or a Mobile Mattress returns card to the same value. In this case, your Afterpay payment schedule associated with the item(s) exchanged will not change.

  25. What happens when I return an item originally paid for using Afterpay to Mobile Mattress via post?
    When we receive your goods, Mobile Mattress will advise Afterpay of the return and refund. The returned item/s will create an adjusted Afterpay payment schedule (to remaining payments. Afterpay will communicate these payment changes to you via email.

  26. What happens when I return an item originally paid for using Afterpay to Mobile Mattress in a Mobile Mattress store?
    In this instance you can not obtain a refund and the store team member will only allow you to exchange the item(s) for other items and/or returns cards up to the same value.