Own it now, pay later

Own it now, pay later with Zip

Shop online and instore with Zip at The Warehouse and pay in 4, interest free instalments over 6 weeks on purchases between $50 and $1,500.

You can apply in minutes online with real time approval, and as long as you make all your repayments on time you won’t pay anything more than the cost of the items purchased.

Shopping with Zip online

Simply select Zip as your payment method at checkout, sign up or log in, and pay only 25% today but get your goods shipped straight away. You then pay the rest over 3 fortnightly payments automatically charged to your linked card.

Shopping with Zip instore

Download the App for your Apple or Android device to create your account in minutes. You can then create an instore code to show staff at checkout when ready to pay or scan yourself at self-checkout. 

Frequently Asked Questions

Zip allows you to make purchases and take your goods straight away but only pay 25% upfront with the rest charged over three fortnightly interest-free payments.

There are no fees and interest costs to shop with Zip if you make your payments on time. If you miss a payment you will be charged an $8 default fee per week it is late (capped at $40 total late fees per purchase).

If you pass Zip's minimum credit criteria you will be allocated a starting spend limit between $300 and $1,000, subject to an individualised credit assessment. As you purchase using Zip and make your repayments on time, your spend limit will increase, up to a maximum of $1500 for those with higher credit scores.

You can sign up when checking out online, at zip.co/nz or through the Zip mobile app. The sign-up process takes 2-3 minutes and you need to be 18 years or older with valid ID and a NZ debit or credit card.

Zip needs to identify you. You can get manually ID verified as part of the signup or checkout process with other forms of ID (this process can take up to 24 hours) so just follow the prompts.

Zip performs a credit check as part of its application process. The Warehouse.co.nz does not have any influence on Zip’s credit criteria. If you have questions around your application you will need to contact Zip via Zip.co/nz/contact

When checking out online, you can spend above your available Zip credit by increasing your first payment by the difference. This is automatically calculated during checkout. Please note this is not available when shopping instore.

There is a minimum spend of $50 to shop with Zip at The Warehouse both online and instore.

No, you only need 25% of your purchase on your nominated card which is charged at checkout.

Zip can’t be used to purchase mobile top-ups, ePay products (iTunes, gaming cards, etc.), Gift Cards, or. Christmas Club cards (including top-ups).

Sure. Just log on to your Zip customer account at zip.co/nz or using the mobile app and follow these instructions. There is no cost associated with paying off your purchases early.

Yes, Zip will email you the day before they take the instalment payment, but it is still down to you to ensure there are sufficient funds to take each instalment payment.

Please log onto your account at zip.co/nz and follow the instructions.

Yes. The Zip platform is SSL secure and Zip does not store your full debit card details. All payments are handled by Payment Express, a secure PCI compliant New Zealand based payment gateway.

Zip only deal with your information in accordance with the Zip privacy policy, which you can find at zip.co/nz.

Zip Co NZ Limited is an external payment service provider. The Warehouse offers Zip as a further payment option for you when purchasing goods from us through our Online Store. You can view Zip’s full terms and conditions at https://zip.co/nz/terms-conditions/

You can return items purchased using Zip but only for a refund, exchanges are not available. Bring your items to store and we’ll process the refund.

Zip refunds are made directly to the card associated with your Zip account. No cash refunds will be given in-store under any circumstances.

Zip refunds can only be processed as standalone transactions.

Normal bank processing times for refunds (up to 5 business days) apply.

For more Zip FAQs or to get in touch with their team, visit the Zip Help Centre.