Apply for Zip
Select Zip at checkout or download the app.
Pay 25% and get your goods straight away.
Pay the rest over 3 fortnightly instalments. Interest free.
Shopping with Zip online.
Simply select Zip at checkout when shopping online to create your Zip account in minutes and complete your purchase. Every purchase you make is interest free.
Shopping with Zip instore.
Download the App to create your account. You can then shop instore at participating stores, and view your balance and upcoming payments.
Frequently Asked Questions
Zip allows you to make purchases and get your goods shipped straight away but only pay 25% upfront with the rest charged over three fortnightly interest-free payments.
If you pass Zip’s minimum credit criteria you will be allocated a starting spend limit between $300 – $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 $1000 for most credit scores and $1500 for those with higher credit scores.
You can sign up when checking out or at zip.co/nz. 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.
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).
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.
Available to approved applicants only and subject to completion of satisfactory credit check. Minimum monthly repayments are required. Paying only the minimum monthly repayment amount will generally not repay a purchase within the interest free period. A monthly account fee of 57.95 will also apply and a one-off establishment fee may apply for new customers. Any balance outstanding at the expiry of the interest free period will be charged at the standard variable rate, 25.9% per annum as at 1 May 2023. Other charges may be payable, see T&Cs. Interest, fees and charges subject to change. Terms & Conditions apply and are available on application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878).