Ans: Your limit is assigned through Laybuy instant credit check upon sign up. If you don't have a credit score, Laybuy will assign you $120. No extra details about you are required. As you spend more with Laybuy in Melbourne and consistently pay off your payments, they will increase your limit.

Ans: The billing cycle runs from the day you've made the purchase for TV in Brisbane until the end of the following month for a maximum duration of 60 days. Minimum required $40 monthly installment. Although this isn't a fee, ZipPay does require a $40 minimum monthly installment to be made towards your pending balance each month.

Ans: ZipMoney will always give you at least 3 months to repay your debt interest-free for your furniture purchase in Melbourne, which means that so long as you stick to your minimum repayments, the interest rate won't kick in.

Ans: : If you're unsure, you may want to build your credit score before applying. Laybuy offers 0% interest on a kids furniture purchase in Melbourne, with payments spread the total cost over 6 weeks. Laybuy does not run a credit check. You may be able to use it with a bad credit history, but missed payments will definitely affect your credit score.

Ans: Every ZipMoney purchase whether it is a fridge or other goods comes with a guaranteed interest-free period of 3 months in Melbourne, but Melbourne merchants may offer longer interest-free terms according to your specific purchase. If you pay off your all purchase within the interest-free period, you won't pay any interest or fee.

Ans: Afterpay won't affect your credit score unless there is no credit check before you apply for Afterpay. It won't affect your credit history at all as long as customers use it responsibly.

Ans: Laybuy doesn't charge any interest or advance fees. If you miss any installment you will be informed instantly. A late installment fee of $10 may be charged in respect of each payment you fail to make on-time. Any installment default may also result in our debt collection service contacting you and/or affect your credit score.

Ans: After your payment with Afterpay, your order is processed by Afterpay fulfillment centers and delivered to you in accordance with Afterpay delivery times.

Ans: Unfortunately, you cannot withdraw your credit as cash with ZipPay in Melbourne. But, you can use your ZipPay account with their registered Zip merchants, through a Single-use card, to buy gift cards or by paying bills using Zip Bills.

Ans: You will only need money to make the monthly minimum of $40, and a $6 account service fee will be added to your balance for the following month. If you don't have a balance in your account, ZipPay won't deduct anything from your nominated payment method. If there's no balance in the account, there are no fees to keep the account open.