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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

Find stores that accept Zip

Browse all NZ merchants that accept Zip payments.

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