$8 Party, page-478

https://help.zip.co/en/articles/175-interest-free-period


How is interest charged?
Every Zip Money purchase comes with its own interest-free period, from a minimum of 3 months. During this period, your purchase won't incur any interest - which means if you pay off your purchase within this period, you'll only pay the purchase amount (plus any monthly account fees, if applicable).
After the interest-free period ends, interest will be charged at the standard annual percentage rate, 19.9% for all new customers. Your exact interest rate will be outlined in your contract. As each merchant may offer different interest-free terms, it's important to confirm the interest-free offer before completing your purchase.
Interest is accrued daily and charged to your account at the end of each month. This charge will be displayed on your statement so you can keep track of how much interest has been applied.