Buy Now Pay Later NZ — Find stores that accept BNPL

Q: What is buy now pay later (BNPL)?

BNPL lets you purchase items immediately and pay in instalments — usually weekly or fortnightly and interest-free. Popular NZ services include Afterpay, Laybuy, Zip, Humm, Genoapay and Klarna.

Q: Which stores in NZ accept Afterpay?

Hundreds of NZ retailers accept Afterpay. Browse the full list at buynowpaylater.nz/pay/afterpay.

Q: Does BNPL affect my credit score?

Most NZ providers only do a soft credit check which does not affect your score. Missed payments referred to collections can appear on your credit file.

Mighty Ape

Home & Garden

Mighty Ape is one of New Zealand’s leading online retailers, offering a wide range of products

Afterpay

Ninja New Zealand

Home & Garden

Ninja® is a pioneer in small household appliances and cleaning solutions that fit the lifestyles of busy people all over the world

Afterpay

Shark

Electronics

By providing highly functional, innovative products, SharkNinja has rapidly carved out a significant market share in the appliance industry, becoming one of the leading companies in this sector.

Afterpay

Temu

Home & Garden

Shop Exciting Products, Brands, And Tools At Temu. Quality Products Sourced Around the World.

Afterpay

Urban Sales

Home & Garden

[$20 Off your first order!] Urban Sales is an online store for Kiwis who love stylish, multifunctional furniture and creative home design.

Afterpay

Frequently asked questions

What is buy now pay later (BNPL)?

BNPL lets you purchase items immediately and pay in equal instalments — usually weekly or fortnightly and interest-free. Popular NZ services include Afterpay, Laybuy, Zip, Humm, Genoapay and Klarna.

Which stores in NZ accept Afterpay?

Hundreds of NZ retailers accept Afterpay. Use the payment filter on this page to see them all, or go directly to buynowpaylater.nz/pay/afterpay.

Is BNPL free to use?

Most BNPL services are interest-free if you repay on time. Late fees (typically $10) apply if you miss a payment. Some services charge account fees on certain plans.

Does BNPL affect my credit score?

Most NZ providers only do a soft credit check which doesn't affect your score. However, missed payments referred to a collections agency can appear on your credit file.

Can I use multiple BNPL services?

Yes — you can hold accounts with multiple providers. Just be aware each active plan is a separate debt, which increases the risk of missed payments if you lose track.

Find stores that acceptbuy now, pay later

Frequently asked questions

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buy now, pay later