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Zip now, pay later.

Zip gives you the freedom to buy the things you love today. No fuss, no wait, no worries.

Nothing to pay today

We pay the store , you get the goods, or the store sends the goods

Interest free with Zip Pay

Interest free terms available with Zip Money*

Flexible repayments

Pay us back how you like – weekly, fortnightly or monthly

Reusable account

A reusable account with a limit that suits your needs

Your everyday spending account

Under $1000

Account limits

Up to $1,000

Interest

Interest free, always

Minimum repayments

From $40/month

Establishment Fee

$0

Monthly account fees

$7.95/month (waived if your statement balance is zero)

Apply for Zip Pay

Your everyday spending account

Over $1000

Account limits

From $1,000

Interest free period

Up to 6 months interest free*

Minimum repayments

From $40/month or 3% of the outstanding balance (whichever is greater)*

Establishment Fee

A one-off establishment fee may apply.
See here for details

Monthly account fees

$7.95/month (waived if nothing owing)

Apply for Zip Money

Zip FAQs

All you need is:

  • A valid email address and mobile number.
  • Be at least 18 years old.
  • Be an Australian Citizen or
  • Permanent Resident
  • Have a good credit history.
  • Read more about what you need to apply for Zip Pay and Zip Money

Repayments:

  • Choose from weekly, fortnightly or monthly payments to suit your lifestyle
  • Repayments start from $40 a month and are based on your account’s credit limit.*

How to use Zip:

  • Choose the account that’s right for you.
  • Sign up and get a decision in minutes.
  • Select Zip at checkout.
  • Log into your account to set up your repayment schedule to suit your lifestyle.
  • Reuse your account anywhere you see the Zip logo.

Returns and refunds:

  • If your item meets Victorian Dental Group’s returns policy, the purchase amount will be credited back to your Zip account.

Fees and interest:

  • Zip Pay purchases are interest free, always.
  • For Zip Money, when the interest free period expires, the annual standard percentage of 19.9% applies.
  • Pay your statement closing balance, in full, by the due date and we’ll waive the $7.95 monthly Zip Pay fee. The $7.95 monthly account fee for Zip Money is waived if you have nothing owing.
  • If there’s nothing owing on your account, there’s nothing to pay and no fees.
* For Zip Pay – Minimum monthly repayments are required. A monthly account fee of $7.95 applies. This fee is waived each month you pay your statement closing balance, in full, by the due date. Available to approved applicants only. T&Cs apply.

For Zip Money – Available to approved applicants only. Minimum monthly repayments are required. Paying only the minimum monthly repayment amount will not pay out the purchase within the interest free period. Any balance outstanding at the expiry of the interest free will be charged at the standard annual percentage rate, currently 19.9%. A $7.95 monthly account fee applies. A one-off establishment fee may apply for new customers. 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)

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Dr Sachi Profile

Dr Sachi graduated from the university of Adelaide with a bachelor of dental surgery. Additionally Sachi has a Post Graduate Diploma in Management studies from Waikato University in New Zealand. He has also completed a residency in Implant Dentistry from Toronto institute of Dental Excellence in Canada. Dr Sachi has wide international experience working in public and private practice in New Zealand, Canada and Australia. He is known to be passionate about Dentistry which shows in treatment of his patients. His interests in Dentistry is in oral surgery particularly wisdom teeth removal and dental implant treatment. In his spare time he makes an effort to attend as many continuing education courses to keep up with the latest trends and treatments in Dentistry. In his spare time Sachi enjoys travelling locally and internationally, cycling & watching live

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Dr Pooja soni

Dr. Pooja Soni is an associate dentist at 32 pearls dental since June 2020. Dr. Soni completed her graduation in India and has been working in Australia since 2015. She has gained her experience by working at both private and dental hospitals across Australia. She is always known for being gentle and extremely caring for her patients. Dr Soni enjoys all aspects of dentistry and has special interests in cosmetic dentistry and endodontics (root canal therapies). She is really passionate about treating patients and providing them with the best treatment options. In her free time, she loves watching movies and spending time with her loving dog. Book an appointment today to see our lovely dentist.

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Dr Manya Verma

Dr. Manya Verma has over 5 years of experience in the field of dentistry both in Melbourne and abroad. She graduated from India in 2011. She has a love for dentistry and takes pride in providing the best care to her patients. Furthermore, she has a passion for general dentistry, with a special interest in cosmetic dentistry and endodontics. She has a strong focus on listening to and addressing patient concerns and answering all questions in terms patients can easily understand. Apart from work, she spends time enhancing her creative skills, like painting. She also loves to travel and explore different cultures and cuisines. She is fluent in Hindi and English languages.

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Dr Kshitij Sharma

Dr. Kshitij Sharma is a well-experienced dentist, practising for 22 years. He has vast scope in the field and performs procedures of general dentistry, root canals, 3rd molar extractions, dentures, crowns and bridges in adults and children. He has done specialized training in treating patients with gum diseases, periodontal diseases, and dental implants. Not only that, but he is a dedicated dentist who believes in high-quality patient care and service. His approachable and friendly nature helps to relax and treating anxious patient. He has a gentle demeanour, and is often commended on how comfortable and confident his patients feel with him. Outside of dentistry, he likes sports and enjoy playing cricket, badminton, and table tennis. He loves spending time with his wife, sons, and family.

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Dr. Snigdha

Dr. Snigdha is a highly qualified Dental Surgeon, having completed Bachelor of dental Surgery from Chennai (India) in 2015 . With over 8 years of experience in dentistry, Dr. Snigdha is well-versed in all aspects of General Dentistry, with a particular passion for Restorative Dentistry, and Children’s Dentistry. She is dedicated to providing the best possible dental care options to all her patients. Dr. Snigdha firmly believes that oral health is linked with a person’s overall well-being. She emphasizes not only on the treatment of dental issues but also on the importance of maintaining good oral health for one’s general health. Beyond her dedication to dentistry, Dr. Snigdha has a range of interests that include traveling, cooking and enjoying with her family. Her love for meeting new people makes her an approachable and welcoming Dentist.

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Dr Archana singh

Dr. Archana Singh graduated from Rajiv Gandhi university with a Bachelor of Dental Surgery from India. She is married and is a mother to two young boys. She has gained substantial experience in serving the public and private sector in India and Melbourne. After working for a few years, she decided to open her own practice in Wyndham vale in 2011. Dr. Archana Singh is a happy dentist, who is renowned for her sense of humour and friendly personality, which always make her patients feel at ease. You can always hear her laughing together with the patients in his room, which give them a totally different and enjoyable dental experience. Dr. Archana has a caring and empathetic personality, she understands the importance of taking time to develop rapport with her patients. Archana is passionate about putting the smile back on each of her patients to help them restore their self-confidence. She is a very enthusiastic learner who actively strives to stay up to date with modern dentistry. She enjoys all aspects of general dentistry and has a particular interest in braces and Invisalign and implants. Apart from dentistry, she also has her own charitable trust in India, which helps provide education for the underprivileged. Her hobbies are dancing and playing with kids. Dr. Archana forward to welcoming you and showing you the difference that compassionate care and top-quality dentistry can make to the quality of your oral health.

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Dr Rodney Moore

Dr. Rodney Moore graduated from the University of Adelaide and conducted practices in the city and York’s Peninsular before relocating to Victoria in 1990. Since then, he has worked in practices in Hampton, Werribee, and Hoppers Crossing. He is married to Lynne and loves to spend time with family. He is a keen sailor and is involved in race management

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Dr Rehman Aziz

Dr. Rehman Aziz has joined 32 pearls since 2016. He has experience of more than 15 years . His gentle and caring approach to dental health allows him to offer comprehensive care to all patient, including children and elderly.

Dr. Rehman enjoys all aspects of dentistry, but he has special interest in cosmetic and restorative dentistry.

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Dr Yasin Hassan

Dr. Yasin Hasan has experience of more than a decade and worked in metro and regional Australia. His strong points are avid listener, humble and endeavour to treat patients as if they are family members. Dr. Yasin has special interests in cosmetics (i.e. whitening, veneers etc), surgical (i.e. complicated tooth removals, wisdom teeth removals), Endodontics (root canal treatment). He has a young family- 2 kids, lives locally in Wyndham vale, you may find him playing cricket or cycling in my leisure time.

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Dr Sachi

Dr. Sachi graduated from the University of Adelaide with a bachelor of dental surgery. Additionally, Sachi has a Post Graduate Diploma in Management Studies from Waikato University in New Zealand. He has also completed a residency in Implant Dentistry from the Toronto Institute of Dental Excellence in Canada. Dr. Sachi has international experience working in public and private practice in New Zealand, Canada, and Australia. He is known to be passionate about Dentistry, which shows in his treatment of his patients. His interests in Dentistry are in oral surgery, particularly wisdom teeth removal and dental implant treatment. In his spare time, he makes an effort to attend as many continuing education courses to keep up with the latest trends and treatments in Dentistry. In his spare time, Sachi enjoys traveling locally and internationally, cycling & watching live sports.

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Dr Nimra Tahir Profile

Dr Nimra Tahir graduated from Riphah International Univerity in 2010 with Bachelors of Dental surgery with honours. She completed her masters in 2015. She has extensive overseas clinical and teaching experience and is also a member of the Australian Dental association at present.

Dr. Tahir enjoys all forms of general dentistry with special interests in cosmetic and restorative dentistry. She wants to help her patient achieve their desired smile design with special emphasis on managing and maintaing good oral hygiene.She also has vast experience in dentoalveloar surgery and replacement of teeth. Dr.Tahir believes that a confident smile can not only improve self confidence but also plays a vital role in health and vitality.

Outside of work Dr. Tahir loves to spend time with her family and two gorgeous daughter and likes to cook and travel.

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Dr Mohammed Hossain Profile

Dr. Mohammed completed his education in his home country of Bangladesh before moving to Australia & qualifying to practice. He has six years of experience in the field of Dentistry. Dr. Mohammed prides himself on regularly attending professional development courses in order to keep up to date with the latest dental knowledge and technology. He enjoys all aspects of general dentistry but has a particular interest in aesthetic restorations, oral surgery, and endodontics. He loves traveling and spending time with his family.

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