Zip NZ - Shop Now, Pay Later

Get all your shopping sorted with 6 weeks to pay, interest free. Create your Zip account in minutes. The Zip app is a fast, easy and secure way to pay for your purchases over 4 interest-free payments, online and instore, and manage your account. Zip is here to help you pay for life’s extras.

Shop at over 1,900 New Zealand businesses including JB HI-FI, Moshtix, Baby Factory, The Warehouse, Noel Leeming, Bunnings, Temu, Rockshop, Culture Kings, Torpedo7, Warehouse Stationery, Mighty Ape, Spotlight, Chemist Warehouse, Placemakers and more. Pay only 25% up-front and the rest over 3 fortnightly interest-free payments. There are no fees or interest charges if you pay on time.

Sign up & Explore
- Apply for a Zip account in minutes from your mobile.
- Browse more than 1,900 retailers and over 3000 stores in our Store Directory.
- Use our location based map to find where you can shop nearby.
- Access exclusive offers and discounts.
- Favourite stores and shop in-app.
- Easily shop in-store in a range of businesses from retail stores, to dentists, to hair salons and many more.

Shop securely
- Enjoy one, simple login.
- Manage your passcode and biometrics from the app.
- Access to our help site and content from the app.
- Enrol into Passwordless via passkeys for a more secure experience.

Full Flexibility & Control
- Get control over your first payment for online and in-store orders, Pay up to 100% up front and manage your finances like a pro.
- Increase your spending power by utilising your full Zip balance plus your own funds for those larger transactions. Available in-store and online.
- Choose your preferred payment day for your payments. Choose a day that works for your and we'll align it within +/- 3 days of your next payment.
- Just press and hold on the Zip app for options. Create an in-store code from the home screen.

Unlock more payment options
- Keep shopping with Zip to unlock options like Giftcards and move payments.
- Looking to send a digital giftcard for yourself or a friend instantly? Get 6 weeks to pay, interest free, at more than 68+ retailers with Zip e-Giftcards.
- Shop at Farmers, Cue, Dotti, Uber, Playstation & Xbox Stores and more by purchasing Giftcards over 4 interest free weeks.
- Unlock the ability to move your payments forward by up to 7 days. Made to help you manage your finances better regardless of your situation.

Manage your account
- Check your spend limit and available balance.
- View upcoming payments and pay them early if you wish.
- View historical purchase and payment info.

Zip it your way for life's extras.