You can apply for a Zip account in minutes at https://www.obrien.com.au/zip
Please note, to apply for a Zip account, you will need to meet the following criteria:
Be an Australian citizen or permanent resident
Be at least 18 years of age
Have a valid Facebook or PayPal account, in your own name
Have a valid debit or credit card, in your own name
Have not declared bankruptcy or insolvency