Ride Now, Pay Later

Enjoy flexible payment options with ZIP and Afterpay

We've partnered with ZIP and Afterpay to bring you more flexible payment options when you shop online*. You can now shop bicycles and gear online, and checkout with flexible payment options that suit you! It's easy to sign up with both ZIP Pay and Afterpay available for smaller purchases, and ZIP Money for those larger purchases with up to 12 months interest free*.

*Please note that in-store availability of ZIP and Afterpay products will vary by store, if you are planning on purchasing our products in-store, please check with your local retailer to see what payment methods they have available.


Buy now, pay in four instalments over 6 weeks, and never pay interest with Afterpay.

Pay over 6 weeks

Get what you need now. Make your first payment today and the rest over 6 weeks. Afterpay will send you reminders, so you never miss a payment.

Never pay interest

Afterpay will never charge interest. Full stop.

No fees when you pay on time

Afterpay is free when you pay on time. Pay nothing to sign up, no establishment fees, no monthly account fees.

Smart spend limits

Afterpay's spending limits start at around $600 and only increase gradually with responsible spending behaviour.

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Zip Pay

Up to $1,000 for everyday spending, online and in-store. Zip Pay is a fast, secure and easy way to get what you need today and repay it on a schedule that suits you, interest free

Flexible Repayments

Choose a weekly, fortnightly or monthly schedule. Pay off early if you like, without a penalty.

Pay later, interest free

Every transaction you make with Zip Pay is interest free, always.

Approval in minutes

Apply in minutes, with no establishment fees and nothing to pay today.

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Zip Money

Over $1,000 for bigger buys, pay later with flexible repayments. Zip Money is a fast, secure and easy way to get what you need today and repay it on a schedule that suits you.

Flexible repayments

Choose a weekly, fortnightly or monthly schedule. And you can pay it all off early, without a penalty.

From 3 months interest free

Every Zip Money transaction comes with at least 3 months interest free, guaranteed.

Interest free retail offers

Selected Giant retailers that accept Zip Money often run 6-12 months interest free offers, sometimes more!*

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Terms and Conditions

Please be advised that the Buy Now, Pay Later payment methods on our website, ZIP products and Afterpay have their own Terms and Conditions in conjunction with our Terms and Conditions of Sale. To find out more about each product and their terms of use, please visit the ZIP and Afterpay websites.

ZIP Disclaimer

Zip Pay: Minimum monthly repayments are required. A monthly account fee of $7.95 applies and is subject to change. Pay your closing balance in full by the due date each month and we'll waive the fee. Available to approved applicants only and subject to completion of satisfactory credit check. Other charges may be payable. T&Cs apply.

*Zip Money: Available to approved applicants only and subject to completion of satisfactory credit check upon application. Instalment plan splits eligible purchases of $300 and above into equal repayments within the interest free period. Eligible purchase excludes Zip bills and gift cards. A monthly account fee of $7.95 applies and a one off establishment fee may apply for new customers. Additional charges may apply, see T&Cs. Under the contract, minimum monthly repayments are required. If you turn off instalments, all future transactions will be reverted to the minimum monthly repayment. Paying only the minimum monthly repayment amount will generally not repay out the purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged at the applicable standard variable interest rate of 25.9% per annum, as at 1 June 2023. Interest, fees and charges are subject to change. Terms & Conditions apply and are available on application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993, Australian Credit Licence Number 441878).