Take Zip's features
for a spin

Click to learn how to get the most out of Zip

Preferred Payment Day

Choose the best day for you to repay
Before you complete your purchase, select the Repayment Day drop down and choose the day that works best for you. Simple and easy.

Making Manual Repayments

80,000 Kiwis pay early every month
Our early payments feature helps you control your cash flow – you can make a payment before the due date if it’s better for your schedule.

Buy above your limit

What you need, when you need it
If your Zip balance is low, that doesn’t mean you can’t make a bigger purchase. You’ll just need to pay the difference when you checkout. Available online only.

e-Gift Cards

Send to yourself or a friend instantly
Get 6 weeks to pay, interest free, at even more stores, exclusively with e-Gift Cards. Gift Cards aren’t available for all customers right now. The longer you have your account and more orders you complete, the closer you are to qualifying. Keep shopping with Zip to unlock this feature!

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.

App Download QR code

Download the App

Never miss a payment with the app.

Manage your repayments including paying early,
shop e-Gift Cards and discover everywhere you
can Zip at all in on simple, easy to use app.