BMX Bikes on Zip Pay

Buy your next BMX bike with Zip and pay it off on your own schedule. Zip Pay covers bikes up to $1,000 interest-free, and Zip Money is there for the bigger builds. Zip is at checkout on every bike we sell, from kids bikes and balance bikes to freestyle, race and dirt jump bikes, and on all our parts and riding gear.

Repay weekly, fortnightly or monthly. We send your bike like any other order, so you're riding long before it's paid off.

Shop BMX bikes

Up to $1,000 Zip Pay, interest-free on every bike under its limit
Over $1,000 Zip Money for the bigger builds
Your schedule Repay weekly, fortnightly or monthly
Ride it now We send it like any other order, not once it's paid off

How Zip works

Pick your bike

Add your bike to the cart. Zip works on bikes, frames, parts and riding gear.
Choose Zip at checkout

Log in to Zip, or apply in a few minutes. Zip runs a credit check and tells you your limit once you're approved.
Pay nothing extra today

Zip pays us for the order, and you repay Zip weekly, fortnightly or monthly by direct debit.
Get riding

We dispatch your bike the same as any other order. You don't wait until it's paid off.

Which Zip account fits your bike

At today's prices. Bikes up to $1,000 fit a full Zip Pay limit; bigger bikes go on Zip Money or Zip Plus. Zip's T&Cs, fees and credit approval apply.

A rider on a handrail at a Brisbane street jam, with a crowd watching

Buy now. Ride now. Pay it off your way.

Australia's biggest range of BMX bikes, from kids bikes to race and freestyle, sent from our Brisbane shop.

Other ways to pay later

Afterpay

Four interest-free payments over six weeks: 25% at checkout, then one a fortnight. How Afterpay works at LUXBMX.

PayPal Pay in 4

Four interest-free payments over six weeks on orders under $2,000, with no sign-up or late fees from PayPal. Choose PayPal at checkout, then Pay in 4.

BMX bikes on Zip: your questions

Can I buy a BMX bike with Zip?

Yes. Zip is at checkout on every BMX bike we sell, from kids bikes and balance bikes to freestyle, race and big wheel bikes. It works for frames, parts, helmets and riding gear too.

What's the difference between Zip Pay and Zip Money?

Zip Pay is Zip's everyday account, with a limit of up to $1,000 and no interest, ever. Zip Money is for bigger purchases, with limits from $1,000 to $5,000 when you apply with Zip. Both work at our checkout: choose Zip and use the account you have. Zip Plus is a Zip Visa card, so it works at checkout like any other card.

Does Zip charge interest or fees?

Zip Pay never charges interest. Both accounts have a $9.95 monthly account fee, which Zip waives on Zip Pay when you pay your statement in full by the due date, and on Zip Money when you owe nothing at the end of the month. Miss a minimum repayment and Zip charges a late fee seven days after the due date: $7.50 on Zip Pay, $15 on Zip Money.

Zip Money may charge a one-off establishment fee of up to $99, depending on your limit. Any interest-free period on offer shows at checkout. After it, Zip charges its standard variable rate, which Zip lists as 25.9% a year.

How much can I spend with Zip?

Zip sets your limit when it approves you. Zip Pay limits run from $350 to $1,000, and Zip Money from $1,000 to $5,000. If a bike is over your limit, you can pay the difference another way, or use Afterpay or PayPal Pay in 4.

How do Zip repayments work?

You pick weekly, fortnightly or monthly repayments, and Zip direct debits them from your nominated account. You can pay off Zip Pay early without a penalty. Your minimum repayment and due dates are in the Zip app.

Do I have to pay off my bike before it ships?

No. Once Zip approves the order, it's processed like any other. Each bike's product page shows when it leaves us, and our bike shipping page shows the delivery price to your postcode.

Who can use Zip?

Zip is open to approved applicants. It runs a credit check when you apply, and your limit depends on that assessment. You can apply at our checkout and finish your order once you're approved.

What happens if I return my bike?

Returns follow our refund policy. Once we process your refund, the money goes back to your Zip account and comes off what you owe.

Can I pick up my bike from the shop?

Yes. Pay with Zip online and choose free Click and Collect from our Woolloongabba shop at checkout.

Which size bike do I need?

Every bike collection has a size finder: enter the rider's height and it lists every bike that fits. Start with BMX bikes, or ask us and we'll tell you what we'd put you on.