Zip
How it works
Always interest free
Pay 25% today
Split Payment over 3 fortnightly interest free payments.
Spending limits between $150 - $2000
How to use
Add your items to cart
Select Zip as your payment method at checkout
You’ll be redirected to log in to or create a Zip account
That's it! Your purchase will be split into the payment schedule you setup.
Interest free always
Zero interest means you don't have to pay more to pay later. That's it!
Instant approval
Apply in minutes with real time approval start spending straight away. Learn More
Simple & transparent
No hidden fees or fine print, so you’ll always know what to expect. Late fees may apply (up to a maximum of $40 per order) if still overdue.
Frequently Asked Questions
- How does Zip work?
- With Zip, you can shop now and receive your order immediately while paying just 25% upfront. The remaining balance is split into three equal, interest-free payments made every two weeks—making shopping flexible and stress-free!
- How do I sign up with Zip?
- You can apply when checking out or at zip.co/nz. The application process takes 2-3 minutes and you need to be 18 years or older with valid ID and a NZ debit or credit card. Applications are subject to credit assessment.
- Are there any hidden fees?
- 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 a $10 default fee per week if it is late (capped at $40 total late fees per purchase).
- What if I don't have an NZ Driver Licence or seen ID failed error message when applying?
- Zip needs to identify you. You can get manually ID verified as part of the application or checkout process with other forms of ID (this process can take up to 24 hours) so just follow the prompts.
Zip Pay in 4 is available to eligible customers upon approval and a successful credit check. Late fees may apply—refer to the terms and conditions for full details. Zip Co NZ Finance Limited (FSP 598969).