Interest free finance providers


Interest free finance allows consumers to take home products without having paid for them first. Across an agreed upon interest free period, the consumer will repay the cost of the goods in instalments.

The table below compares a selection of interest free finance providers available in the market. We have selected the providers which have information publicly available to be included in the table. The information about the interest free finance providers in the table is as at the 5th of December 2019. We will not be actively updating the table so not all providers may be available and features may have changed. Please note that providers have been sorted alphabetically, A to Z, by brand name.

While best endeavours have been made to reflect accurate information, this information should not be solely relied upon. For further details, Canstar suggests getting in touch with the provider, accessing the information available on their website and consulting professional advisers as required. Always read the loan information documentation and consider whether the product makes sense for your financial circumstances. Canstar does not rate interest free finance providers and makes no recommendation about comparative features and benefits with respect to these products.

Brand Name Establishment Fee Account Fee Late Payment Fees Credit Limit
Afterpay $0 $0 25% of original order value up to $68 $1,500
Brighte $250 $55 annual fee, $1 weekly account keeping fee $4.99 $30,000
Certegy/EziPay $35-$90 payable over interest term $3.50 monthly fee
CreditLine $25 $4.95 monthly fee if outstanding balance is greater than $10 $30
Once $99 paid annually $99 annual fee $35
Openpay (as applicable) Varies at each participating merchant Default fee: $9.50
Referral Fee: $19.51
Oxipay $8 monthly  fee if balance owing has been greater than 0 $6, $30 collection fee $1,500 each order
PayRight $59.95- $89.95 depending on the price of purchase $3.50 monthly fee $12.95 $20,000
Skye $99 paid annually $99 annual fee $35 $30,000
zipMoney $0-$299 depending on your credit limit $6 monthly fee; waived if no balance $15 $30,000
zipPay $0 $6 monthly fee; waived if no balance $5 $1,000