Compare all BNPL providers available in New Zealand — fees, spending limits, repayment terms and more.
Pay in 4 fortnightly instalments, interest-free.
Spread the cost over 10 weekly payments. NZ-built.
Little things and big things — BNPL for purchases up to $30,000.
Pay in 3, pay in 30 days, or finance it. Global BNPL giant.
NZ-founded. Split any purchase into 6 weekly payments.
A flexible credit account you can use anywhere Zip is accepted.
| Service | Repayments | Limit | Interest | Late fee | Credit check | NZ-founded |
|---|---|---|---|---|---|---|
| Afterpay | 4 fortnightly payments | Up to $2,000 | None | $10 per missed payment (capped at 25% of order) | Soft check only | No |
| Genoapay | 10 weekly payments | Up to $1,500 | None | $10 per missed payment | Soft check only | ✓ Yes |
| Humm | 5 fortnightly (little humm) or up to 60 months (big humm) | Up to $30,000 | None on little humm; may apply on big humm | $6–$10 per missed payment | Soft check (little humm); full check (big humm) | No |
| Klarna | Pay in 3 instalments, or pay in 30 days | Varies by purchase and history | None on Pay in 3 and Pay in 30 | Late fees may apply | Soft check | No |
| Laybuy | 6 weekly payments | Up to $1,500 | None | $10 per missed payment | Soft check only | ✓ Yes |
| Zip | Flexible — pay over weeks or months | Up to $1,500+ | None on Pay in 4; account fee on Zip Pay | $5–$15 depending on plan | Soft check | No |