Zip
A flexible credit account you can use anywhere Zip is accepted.
Repayments
Flexible — pay over weeks or months
Spending limit
Up to $1,500+
Interest
None on Pay in 4; account fee on Zip Pay
Late fee
$5–$15 depending on plan
Credit check
Soft check
Available
Online & in-store
Best for
Shoppers who want ongoing flexible credit rather than a one-off split payment.
👍 Pros
- Flexible repayment options
- Can be used like a reusable credit account
- Accepted at many retailers
👎 Cons
- Monthly account fee on some plans
- More complex than simple BNPL options
- Interest can apply on longer plans
How to use Zip in NZ
1
Download the Zip app
Sign up at zip.co/nz or download the Zip app. You need to be 18+, a NZ resident, and have a valid card.
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2
Shop at Zip-enabled stores
Browse NZ stores that accept Zip — both online and in-store at selected retailers.
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3
Pay with Zip at checkout
Select Zip at checkout and choose your repayment plan. Online: use your Zip account. In-store: use the Zip app.
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4
Repay on your schedule
Choose to Pay in 4 fortnightly instalments or repay within 30 days — whichever suits your budget.
💰 Payment calculator
Enter a purchase amount to see your Zip repayment schedule.
$
NZD
* Dates are estimates from today. Actual dates may vary based on payment day settings.
✅ Am I eligible for Zip?
Answer a few quick questions to see if you qualify.
Are you 18 years or older?
Are you a New Zealand resident?
Do you have a valid NZ debit or credit card?
Is your purchase at least $1?
This is a general guide only. Zip makes the final approval decision at checkout.
Featured products available with Zip
View all products →
Mighty Ape
Kogan 592L Side by Side Fridge with Water Dispenser
$949.00
Mighty Ape
Samsung 50" QLED 4K Vision AI Smart TV
$899.00
Mighty Ape
LEGO ART: The Milky Way Galaxy
$299.00
The Meat Box
Large Fruit & Vege Box
$55.00
The Meat Box
Family Box
$175.99
The Meat Box
Butchers Box
$99.95
The Meat Box
Medium Butchers Box
$179.99
NZ stores that accept Zip
Frequently asked questions about Zip
Zip has a spending limit of Up to $1,500+ in New Zealand. Your initial limit may be lower when you first sign up and will increase over time as you build a repayment history. Some purchases may also be subject to additional approval.
Zip charges a late fee of $5–$15 depending on plan if you miss a scheduled repayment. To avoid late fees, make sure your payment method is up to date and has sufficient funds on your repayment dates. You can manage your payment schedule in the Zip app.
Zip performs a soft check when you sign up or make a purchase. This may appear on your credit file. Missed payments that are referred to a collections agency can negatively affect your credit score.
Interest charges with Zip depend on the plan you choose. Interest: None on Pay in 4; account fee on Zip Pay.
With Zip, your purchase is split into Flexible — pay over weeks or months. Payments are automatically charged to your linked payment method on the scheduled dates, so you always know exactly what you owe and when.
Zip is available online & in-store in New Zealand. To use it in-store, open the Zip app, generate a barcode or virtual card at checkout, and present it to the cashier.
If you miss a Zip repayment, a late fee will be charged ($5–$15 depending on plan). Your account may be paused, preventing new purchases until the overdue amount is paid. If the debt remains unpaid it may be referred to a collections agency, which could affect your credit score. Contact Zip as soon as possible if you are having trouble making payments.