Buy now, pay later.
Interest free.

Shop online and instore, and pay in 4 interest free payments over 6 weeks.

Person posing in front of concrete wall

Apply in minutes and pay 25% upfront.

It's easy to apply. Use your New Zealand driver license for real-time approval, or a photo ID for a response within 48 hours.

Shop online and instore with the Zip app.

Zip is available at over 1,500 stores, online or in-store.

4.5 Stars

4.5 App Store Ratings

370K+ downloads

Shopping online with the app

1

Find a retailer

Search for your favorite stores in the app.

2

Select Zip

Add products to your cart and select Zip at checkout.

3

Approve purchase

Pay 25% upfront, then fortnightly instalments.

4

Keep on track

See when instalments are due or pay it off early.

Shopping instore with the app

1

Get the app

Open your Zip app and tap instore.

2

Create a code

Generate an instore code to scan at checkout.

3

Approve purchase

Pay 25% upfront, then fortnightly instalments.

4

Keep on track

View and manage your payments in the app.

Pay with Zip at checkout

Look for the Zip logo online when checking out at your favorite online retailers.

Safer than credit

Zero interest means you don’t have to pay more to pay later. That’s it!

Instant approval

No hard credit checks, and no impact on your credit score to apply.

Simple & transparent

No hidden fees or fine print, so you’ll always know what to expect.

Zip App Dashboard

Download the app to get started

Get instant access to shop now, pay later at thousands of brands—online or in-store.