Pay in 4. Interest free
Pay with Zip
Frequently Asked Questions
Zip allows you to
make purchases and get your goods shipped straight away but only pay 25%
upfront with the rest charged over three fortnightly interest-free payments.
If you pass Zip's
minimum credit criteria you will be allocated a starting spend limit between
$300 - $1,000, subject to an individualised credit assessment. As you purchase
using Zip and make your repayments on time, your spend limit will increase, up
to a maximum of $1000 for most credit scores and $1500 for those with higher
credit scores. If you're purchasing a Cardrona and Treble Cone Season Pass, you
can spend above your limit and spread the payments evenly across 4 instalments.
You can sign up
when checking out or atzip.co/nz. The sign-up process takes 2-3 minutes and you need
to be 18 years or older with valid ID and a NZ debit or credit card.
Zip needs to
identify you. You can get manually ID verified as part of the signup or
checkout process with other forms of ID (this process can take up to 24 hours)
so just follow the prompts.
There are no fees
and interest costs to shop with Zip if you make your payments on time. If you
miss a payment you will be charged an $8 default fee per week it is late
(capped at $40 total late fees per purchase).
When checking out
online, you can spend above your available Zip credit by increasing your first
payment by the difference. This is automatically calculated during checkout. If
you're purchasing a Cardrona and Treble Cone Season Pass, you can spend above your
limit and spread the payments evenly across 4 instalments.
Zip performs a
credit check as part of its application process. Zip retailers do not have any
influence on Zip's credit criteria. If you have questions around your application
you will need to contact Zip via zip.co/nz.