Managing your money

We understand times are challenging at the moment, and people need all the help they can get when looking to buy essential items for their family and loved ones. To help with your budgeting, you can pay with Zip which allows you to shop online and get your goods shipped straight away, but get six weeks to pay. And the best bit is as long as you make your repayments on time, you are not charged any interest or extra fees on the original purchase price. 

How Zip works: 

You apply for a Zip account at or while checking out using Zip online. It only takes a few minutes to apply.

If you meet Zip’s criteria you will get an approved spending limit between $150 and $1,000. This spending limit will increase as you shop with Zip.

You shop as normal on and just select “Zip” as your payment option when ready to pay. Zip is available for purchases between $50 - $1,000.

You pay only 25% of the purchase price when checking out, and the rest over 3 fortnightly interest-free payments. These are automatically charged to your existing debit or credit card. 

Zip purchases are interest-free. An $8 per week late payment fee applies if you miss a payment (capped at $40) A bit more on Zip: 

You need to be 18+ to shop with Zip and have a New Zealand debit or credit card. 

The first time you shop with Zip you will need to wait two weeks before you can shop again. 

They have an awesome mobile app on Apple and Android which allows you to view all upcoming payments, make manual payments, etc 

You can make payments early through the app at any time with no penalty or fees. 

Zip will send you reminders about upcoming payments, three days before the due date and on the day. For more information on Zip and full terms and conditions see