What do I need?
To sign up to Afterpay online, you’ll need a debit or credit card, New Zealand residential address and you must be over 18 years old.

Important details:
New Afterpay customers are required to make their first payment, on their first order, at the time of purchase. For any order thereafter, your first payment will be deducted 2 weeks after your purchase date, and your last payment deducted 8 weeks after purchase.

The full payment schedule will be provided to you at the time of purchase.

The payment arrangement is made with Afterpay, who will approve payments at the time of order. Should you need to return an item (meeting our return policy), you are eligible for a refund via Afterpay, with a cancelled payment plan.

What happens if I miss a payment?
If you fail to make a payment, Afterpay will charge you a late payment fee of $10 and an incremental $7 late fee for each week the order is overdue

Everyday Interest Free Terms & Conditions:

1. Available to approved customers where the amount financed in a single transaction is:

• 6 Months Interest Free offer - $250 and above;
• 12 Months Interest Free offer - $250 and above​​​​​
• 36 Month Interest Free offer - $750 and above  
• 48 Month Interest Free offer - $1250 and above  

2. For minimum monthly payment plans (6 Months & 12 months) monthly payments must be made during the interest free period Paying only the minimum monthly repayment of 3% of the outstanding monthly balance or $20 (whichever is more), will not be sufficient to repay the purchase amount(s) within the promotional period. Amount payable will be shown on your monthly statement.
3. A non-refundable deposit of 50% is required for custom orders.
4. Available in-store and online.
5. Not available with Gift Card purchases.
Gem Visa credit and lending criteria, $55 establishment fee and annual account fee apply ($55 Gem Visa (charged $27.50 half yearly / $55 Gem CreditLine (charged $27.50 half yearly)).
6. Prevailing interest rate (currently 27.99% fixed p.a for Gem Visa / currently 29.95% p.a. for Gem Creditline) applies after the interest free period ends.
7. This notice is given under the Gem Visa Conditions of Use, which specify all other conditions for this offer. Please see here for more details
8. Also available for Gem CreditLine customers. Other conditions, fees and charges apply. Please see here for more details.
9. Credit provided by Latitude Financial Services Limited.
10. Freedom’s standard terms and conditions of purchase otherwise apply.

60 Months Interest Free*

60 months interest free is available on Long Term Finance (LTF) for in-store purchases only. Min spend $750.Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these T&Cs at any time without notice.

Why choose Zip Pay?
Zip Pay is a fast, secure and easy way to get what you need today and repay it on a schedule that suits you, interest free.*

Is Zip suitable for everyday purchases?
Zip is perfect for everyday purchases and offers the ability to transact just about everywhere, so you can manage all your expenses in one place and repay on a schedule that suits you.

To shop instore, Zip Pay users can tap to pay at checkout.* To get started with tap to pay, simply navigate to the Zip app and click on the pay tab in the bottom menu. From there, you can follow the prompts to set up your card and add it to your Apple Pay or Google Pay wallet.

To shop online, checkout with Zip or use the Zip mobile app and generate a single-use card at the checkout anywhere Visa is accepted.

How do repayments work?
Repayments are automatically direct debited from the payment method that you added when you created the account. You can change the payment method at any time and the frequency of your payments to weekly, fortnightly or monthly as long as you're covering the minimum monthly repayments. Choose what works best for you.

What are the fees?
With Zip Pay a $9.95 monthly account fee applies, Zip will waive the fee if you pay your statement closing balance in full, by the due date.

How do refunds work?
If you return goods to a retailer and they agree to a refund, your Zip account will be credited with the agreed refund amount. The funds will then be put towards your owing balance or depending on the refund amount your account may be placed in credit.

Zip Money: Available to approved applicants only. Minimum monthly repayments are required. Paying only the minimum monthly repayment amount will generally not repay a purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged at the standard variable rate, 25.9% per annum as at 1 May 2023. The applicable interest rate is subject to change. A $6.00 monthly account fee applies. A one-off establishment fee may apply for new customers. Terms & Conditions apply and are available on application. See your contract for further details. Credit provided by Zip Money Payments (NZ) Limited (NZCN 6002009, NZ FSP 506066).

Visit Zip website for more information, FAQs and full terms and conditions.  Learn more >

Generic FAQs

Q: How do I download the Klarna app?
A: https://www.klarna.com/nz/klarna-app/

Q: When is my payment due?
A: When you choose Klarna’s Pay In 4 interest-free instalments service, Klarna places a reservation for the first instalment on your account. This reservation will be charged as the first payment when your order has been shipped. The remaining 3 payments will be automatically charged every 2 weeks. Your payment schedule is sent via email when your order is shipped. You can also find each order’s payment schedule in the app by clicking on ‘Spending’, choosing the order you want to see, and then clicking on ‘Show Plan’.

Contact Klarna in the app or check out the full list of FAQ’s here.

Check out the full terms and conditions here.

Promoter Information:

Klarna New Zealand Limited (company number 8035397), PO Box 2219, Auckland 1140 New Zealand, and is located at: 4 Graham Street, Auckland, 1010 New Zealand.

Klarna has appointed a privacy officer and a special team of customer service specialists for privacy matters. You can always reach them at dataprotection@klarna.co.nz

Visit www.klarna.com for further information on Klarna.