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Interest Free Finance

Buy Now Pay Later

With numerous brands and endless variety of products to choose from, buying your next appliance can be difficult. Choosing between an integrated or freestanding dishwasher, Stainless Steel or Dark Stainless Steel is hard enough. Now, buying your new appliance is easier than ever thanks to our range of Buy Now, Pay Later payment options.  

What is “Buy Now, Pay Later”?

Buy Now, Pay Later (BNPL) is a payment system where BNPL providers supply interest-free payment options that enable you to take your purchase home and pay for it laterPopular examples of BNPL providers include Afterpay, LatitudePay, ZIP, Humm, OpenPay and Klarna  

The above mentioned BNPL providers such as Afterpay and LatitudePay offer simple, interest-free purchasingperfect for every day items across industries such as clothing, homewares, personal devices and even health and beauty. However for the larger purchases in life, such as those required for a home make-over, some BNPL providers such as Humm and ZIP are a better fit to help with your purchasing journey.  

What BNPL services are available at BAS?

At Brisbane Appliance Sales, we know how important it is to stay on trend when it comes to technology, style and quality when buying appliances for your home. Whether you’re replacing a broken freezer, upgrading your dryercompletely renovating your kitchen or adding a new wine cabinet to store your collection of reds, our BNPL providers offer that extra peace of mind when you’re purchasing designer kitchen and laundry appliances.   

Buy now, take it home and use it today with Humm, one of our BNPL providers. Ideal for buying both the ‘little’ things and the bigger items, Humm provides a large spending limit of up to $30,000 interest-free. Humm’s the perfect solution if you need to obtain various quality appliances for your home. Click Here tfind out more about Humm  

New to our range of Buy Now, Pay Later options is ZIP. ZIP offers two purchasing categories: ZIP Pay’ and ZIP Money,’ giving you the flexibility to make smaller purchases of up to $1,000 or larger purchases over $1,000. Unique to ZIP is that you have repayment flexibility, where you can choose your repayment amount and your duration, such as weekly or fortnightly, as opposed to a provider-imposed schedule.   Click Here to find our more about Zip.

What’s better for me – Humm or ZIP?

Humm and ZIP are equally suitable for large home appliance purchases like the Steam Oven you’ve been dreaming about or the matching Freestanding Cooker and Rangehood. We’ve drawn up the differences between Humm and ZIP, so you know what you’re getting yourself into before making your interest-free purchase!  

  Humm   ZIP 
Eligibility  

 

  • Be 18 years+  
  • Be a permanent resident of Australia. 
  • Have a permanent job (at least 25 hours a week) or be on aged/veteran’s pension. 
  • Be sure you’re not insolvent (or declared bankrupt). 
For both ZIP Pay & ZIP Money:  

  • Be at least 18 years old 
  • Be an Australian citizen or Permanent Resident. 
  • Have a good credit history. 
  • Have your own valid and verifiable email address and mobile number. 

 

+ For ZIP Pay only: Have a verified Facebook, PayPal or LinkedIn account in your own name. 

 

+ For ZIP Money only:  

  • Be employed in some capacity (Certain pensions may be accepted – contact ZIP for more information). 
  • Earn more than $300 per week 
Interest  0% Interest  ZIP Pay: 0% Interest 

 

ZIP Money: 0% Interest for 3 months then promotional offers 6-48 months: 19.9% p.a after your interest-free period expires 

 

Suitable Purchases  Buy Little Things up to $2,000. 

Or  

Buy Big Things up to $30,000. 

 

 

ZIP Pay: For purchases up to $1,000. 

 

ZIP Money: For purchases over $1,000. Accounts greater than $5,000 must be applied through a merchant 

Fees  Little Things 

$8 monthly fee if you choose to pay in 10x Fortnightly repayments.  

 

Big Things: 

Has an $8 monthly fee + $35-$90 set-up fee + $22 repeat purchase fee.  

ZIP Pay: $0 set-up fee.  

 

ZIP Money: up to $99 set-up fee 

 

$6/month waived if you have no balance – applies to both ZIP Pay & ZIP Money.   

 

Where can you buy?  

 

 

 

Online and In-store.  Online and In-store. 
Repayments  For the Little Things’: repay in 5 or 10 repayments weekly or fortnightly.  

 

For the Big Thingschoose to repay over 6, 12, 24, and up to 60 months.  

You can choose to pay repayments on a weekly, fortnightly or monthly basis otherwise the minimum $40 per month applies on both ZIP purchase categories.  
Late Fees   $6 across all categories of purchases.  ZIP Pay: $5 late fee if you don’t meet your minimum monthly repayment within 3 weeks of the due date. 

 

ZIP Money: $15 late fee if you don’t meet your minimum monthly repayment within 3 weeks of the due date. 

 

Refund Policy   Return your product to the retailer who will handle the refund in accordance with their return policy. If a refund is required in accordance with the retailer’s policy or by law, Humm will refund what you’ve paid and cancel any future payments. 

 

Return your product to the retailer who will handle the refund in accordance with their return policy. When the retailer agrees to a refund, your ZIP account will be credited with the agreed refund amount.  
Other   Features both Apple & Android app.  Features both Apple & Android app. 

How do I get started on my interest-free purchase?

Congratulations, the hard part’s done. Now that you’ve decided on a cooktop, fridge or washer, it’s time to get started on your interest-free BNPL purchase.   

In-Store: 

Visit us at Brisbane Appliance Sales and let our consultants know that you would like to pay with either Humm or ZIP. Once you have signed up online or via the mobile app and have been approved for your spending amount, apply and complete your purchase in store.   

Online:

 Simply add the product to cart and proceed to checkout. Once at checkout, select to purchase with either Humm or ZIP to continue with your application. After your payment application has been approved, continue to finalise your payment.   

Best of all you can even take advantage of our BNPL options on all of our most popular brands such as ASKO, Ilve, Falcon, Liebherr, AEG and more!   

While other retailers use Afterpay and Latitude Pay, it’s clear to see that when it comes to your next appliance purchase, big or small, you’ll experience flexibility over your purchase and payments with Humm and ZIPAt Brisbane Appliance Sales, it makes sense to shop, take homeenjoy now and pay later with our BNPL options.  

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