How does Zip Money work - and can you use it for a Pergolux pergola?

Apr 20, 2026

Zip Now Pay Later with Zip with a Pergolux Pergola on the background

What is Zip and what's the difference between Zip Pay, Zip Plus, and Zip Money?

Zip is one of Australia's leading buy now, pay later (BNPL) providers, accepted at over 63,000 partner stores across Australia and New Zealand. It lets you shop now and spread the cost over time — no need to save the full amount first.

How does Zip Money work, step by step?

Apply online in minutes: Fill in your personal, employment, and financial details. Zip carries out a credit assessment and gives you a decision quickly. If approved, your credit limit is available immediately.
Select Zip at checkout: At the Pergolux checkout, simply choose Zip as your payment method. Zip pays Pergolux on your behalf — you take delivery of your pergola right away.
Enjoy your interest-free period: With Zip Money, you get a minimum of three months interest-free. Some merchants may offer longer promotional periods. Make at least your minimum monthly repayment each month.
Pay it off on your schedule: Choose weekly, fortnightly, or monthly repayments. Pay off the balance in full before the interest-free period ends and you won't pay a cent of interest.

Which Pergolux pergolas can you buy with Zip?

Pergolux accepts Zip Pay at checkout on all models. Here's a look at the main ranges available in Australia:

Pergolux Series 3 (S3): From $7,130 - The flagship louvred-roof pergola. Features the SnapFIT™ assembly system, RainLUX™ drainage, and Scandinavian-inspired aluminium design. Assembles in 3–5 hours.

Sundream Series 3: From $9,390 - The electric-roof model with Sundream Smart Control for motorised louvres, integrated lighting, and heating — all from an app. Built from reinforced 6063-T5 aluminium.

Glass wall upgrades: Add-on - Certified to AS/NZS 2208, the glass wall panels convert any S3 into a semi-enclosed all-weather room. Available as an optional upgrade at checkout.

Accessories & lighting: From $685 - LED S3 lighting kits, side blinds, heaters (worth $599), and more — all eligible for Zip payment alongside the pergola.

All Pergolux models are certified by a qualified Australian structural engineer to meet AS/NZS 1170, AS 4100, and the National Construction Code. Free shipping applies to most metro and regional areas on orders over $1,000.

Is Zip the right choice for a pergola purchase?

Zip Money suits buyers who want to upgrade their outdoor space now without depleting savings, and who are confident they can clear the balance — or make comfortable repayments — within the interest-free window.

Things to weigh up:

✓ No upfront cash needed: You receive your pergola immediately while spreading repayments over weeks or months — ideal if you want your outdoor space ready for the season.

✓ Flexible repayment pace: Set weekly, fortnightly, or monthly repayments to match your income cycle.

Watch the interest-free deadline: If you don't pay the balance before the interest-free period ends, 25.9% p.a. applies to whatever remains. Set a reminder and plan repayments accordingly.

A credit check is required: Zip performs a credit assessment. Approval and your limit aren't guaranteed — factor this in if you're planning around a specific purchase amount.

Ready to transform your backyard?

Browse Pergolux's full range and select Zip at checkout to get started with flexible payments.

Shop Pergolux ↗

Learn about Zip Money ↗

This article is for informational purposes only and does not constitute financial advice. Zip Money is provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence 441878. Credit approval criteria, fees, interest rates, and promotional offers are subject to change — always check current terms at zip.co/au and pergolux.au before purchasing.