Can I use Buy Now Pay Later to pay my bills?

woman at kitchen table calculating her buy now pay later payments for household bills

While Aussie spending hit all-time highs, more shoppers have been turning to Buy Now Pay Later (BNPL) services to spread the cost of purchases.

There are many BNPL platforms around these days, and each offers unique features and abilities. While some are limited to retail shopping only, more and more platforms allow customers to pay their household bills in equal parts over a scheduled period.

If you’re looking for a way to lighten the load of your monthly expenses, here are some BNPL platforms that can help.


You can use your ZipMoney or ZipPay account to pay everyday bills like car rego, tax bills, school fees and more. You can settle accounts with the biller today and then pay Zip back over time, interest-free. Depending on the spending max of your Zip account, you can pay bills up to $350-$1000 with ZipPay or $1000 to $3000 with ZipMoney.

Zip also offers a new feature, Bill Switch, which lets you compare the market, estimate savings, and request a new energy provider from Zip’s partners. You can get a better deal on your utilities by just clicking through the Zip app.


With more than 2 million customers across Australia and New Zealand, Zip* is one Buy Now Pay Later that packs a punch. First off, customers have the option to choose their account limit that best suits their spending needs. Zip Pay is available for purchases from $350 and under $1,000, while Zip Money is for spending over $1,000. And not only do customers have the flexibility to use Zip both in-store and online but there’s also the opportunity to choose your repayment frequency as either weekly, fortnightly or monthly.


Through the humm app, you can pay a large variety of household bills, including phone and internet bills, gas and electricity, water, rent, car rego and insurance and even school fees.

Available for bills from $20 to $2,000, humm lets you spread your expenses into affordable slices. Offering more flexibility, you can spread fortnightly payments over up to 5 months for a $2 bill transaction fee.


Deferit specialises in helping spread the cost of bills. You can sign up for Deferit online or by downloading the Deferit app. By paying the $5.99 monthly account fee, you divide up to $2000 worth of bills into four simple payments.

The process is simple: snap a photo of your bill, choose how much to pay, and get instant payment confirmation. With Deferit, you can move any of your payments and change dates for free.

RELATED: Buy Now Pay Later versus credit cards: Which one is right for me?

When using BNPL platforms, especially for essential household bills, it’s important to understand the requirements and timings of the specific services. Also, keep in mind that purchases made with some Buy Now Pay Later providers can impact your credit score.

If you’re interested in checking out some of the other BNPLs in the market, head on over to our Buy Now Pay Later hub

^See information about the Mozo Experts Choice Buy Now Pay Later Awards

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