All you need to know about using Zip

Get what you need today from participating stores and pay the balance off over time.

Last updated:

Zip is one of the buy-now-pay-later services offered to New Zealanders that help spread the cost of larger purchases. With a growing list of stores that accept Zip, shopping for goods and services is becoming easier than ever before.

Which NZ stores offer Zip?

There are 684 brands currently offering ZipPay.
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BrandWebsite
The Warehouse Go to site
Noel Leeming Go to site
TheMarket Go to site
1-day.co.nz Go to site
Torpedo7 Go to site
Spark Go to site
Beauty Bliss Go to site
The Meat Box Go to site
Warehouse Stationery Go to site
Saben Go to site
The Sleepstore Go to site
Rockshop Go to site
Beds R Us Go to site
Munchtime Go to site
NZ Uniforms Go to site
Sleepytot NZ Go to site
Snappy Go to site
Lighting Plus Go to site
Pure Nature Go to site
Urban Sales Go to site
Cardrona Go to site
Supplements.co.nz Go to site
ETC Clothing Go to site
Cheapskates Go to site
Bennetts Bookstores Go to site
Hyper Drive Go to site
Hunting & Fishing Go to site
Hyper Ride Go to site
Minicars.nz Go to site
Motomail Go to site
PC Traders Go to site
Mobile City Go to site
Collected by LeeAnn Yare Go to site
NZ PC Clearance Go to site
Preen Clothing NZ Go to site
Kiwivelo Go to site
Dear No One Go to site
Dwights Outdoors Go to site
Oh Natural Go to site
Adens Tyres Go to site
Shut The Front Door Go to site
Stolen Girlfriends Club Go to site
Robe Boutique Go to site
BaseNZ Go to site
Gearshop Go to site
The Carpenters Daughter Go to site
Black Box Boutique Go to site
Good As Gold Go to site
Andrea Biani Shop Go to site
IDENTITY Go to site
Mad Butcher Go to site
Pro Brands Go to site
Tool and industrial Go to site
Headstart Hair Go to site
Napp Go to site
Occhiali Optometrists Go to site
NZ Boxer Go to site
Moda Bella Go to site
Coopers Tyres Go to site
Bethells Uniforms Go to site
MeCHE Hair Go to site
Chaos & Harmony Go to site
Aurum Hairstylists Go to site
Moon pearls nz Go to site
For fabrics sake Go to site
Music Planet Go to site
For you son Go to site
Mountain Jade Go to site
All Out Go to site
I am eva Go to site
The Porcelain Lounge Go to site
Apheleia Go to site
Contain Boutique Go to site
Corbin Rd Go to site
Be Vibrant Go to site
Sothys Go to site
The Beauty Store Go to site
Annah Stretton Go to site
Dose & Co Go to site
NZ Post Point Chevalier Go to site
Bulbs Direct Ltd Go to site
Sunglass Bar Go to site
pmh homeware and furnishings Go to site
Briarwood Go to site
Giftbox Boutique Go to site
Van Dyks Go to site
Fish City Hamilton Go to site
Kaiser Baas Go to site
Cake 2 the rescue Go to site
Lisa Goodeve Go to site
3 Stone Vets Go to site
3 Wise Men Go to site
iFurniture Go to site
Sassy Little Badgers Go to site
Papier HQ Go to site
123 Diet Go to site
Discount Office Go to site
Interior Warehouse Go to site
Native Rituals Go to site
Pet Vets Go to site
Pet Depot Go to site
Top Dog Nutrition Go to site
South Beach Go to site
The Tile App Go to site
Triumph & Disaster Go to site
Biddy and May Go to site
Blue Seventy Go to site
Atmosphere Go to site
Vitamins.co.nz Go to site
Knight inspired Go to site
Mane Project Go to site
Swimshop Go to site
Appliance Outlet Go to site
Turbo 777 Go to site
Moonlight Racing Go to site
Discount Tyres Go to site
Idiya Go to site
La marca Go to site
Bedding Nest Go to site
Sports Fuel Go to site
Redline Performance Go to site
Luv 2 Shop Go to site
Fair n fresh Go to site
Ocula Go to site
Pagan Marie Go to site
Headphones Go to site
NZ Baby Box Go to site
CelineXO Go to site
Indie and Rose Go to site
Moustache Go to site
Real Nappies Go to site
Haus of Wild Alchemy Go to site
Milkshake Boutique Go to site
HomeMart Go to site
Whangarei Gourmet Meats Go to site
Kiwi Yarna Go to site
Created Homewares Go to site
Rad Fabrics Go to site
Glamour Make Up Mirrors Go to site
Mumma Bubba Go to site
Rockin Green Go to site
Elite Silk Go to site
Bay Beds Go to site
Envisage Go to site
Baby Box Go to site
No Ugly Go to site
Churchfields Go to site
Make Up Obsessives Go to site
Sassys Go to site
Fair and Square Go to site
Frogs and Toadstools Go to site
The Homestore Online Go to site
The Goodness Grocer Go to site
Yarntons Go to site
Hire Neon Go to site
Boneyard Go to site
Aotearoa Strong Go to site
Amelia Skincare Go to site
Stoked NZ Go to site
Mortimer Hirst Go to site
Yum Yum Store Go to site
Pamper Me Body Products Go to site
Feather the Nest Go to site
The Coffee Store Go to site
Freed Go to site
Emma Ford Swimwear Go to site
Geeks on Wheels Go to site
Front Runner Colombo Go to site
Lifestyle Imports Go to site
Bathroom Clearance Go to site
The Little Things Go to site
Pencil and Hammer Go to site
Furmoo Go to site
Hebe Designer Boutique Go to site
Creative Nails Go to site
Simply Suave Go to site
Stowaway Go to site
Summers Pet Accessories Go to site
Grafix Wall Art Go to site
McDiarmids Go to site
Alpha Electric Skateboard Go to site
The Good Honey Co. Go to site
Lasting Beauty Go to site
GPS-it Go to site
BTW Brow Academy Go to site
Gift from an Angel Go to site
Gelous Go to site
Villarosa Maison Go to site
Herbos Equipment Go to site
Natural Things Go to site
Sprint Fit Go to site
Safe T Sleep Go to site
Kid Stuff Go to site
Tracktion Motorcycles Go to site
Opa Aesthetics Go to site
Viva la Moda Go to site
Tangos Shoes Go to site
100% Gary Pyes, Waiuku Go to site
Possum Boutique Go to site
Metal Bird Go to site
Lite Up Go to site
Little Hero Kids Go to site
Childs Journey Go to site
The Cutting Bar Go to site
Ketz-Ke Go to site
Pepa Stationary Go to site
Papanui Cycles Go to site
Glazed Go to site
Woodys Free Range Farm Go to site
Bangers’n’Bacon Go to site
Bootleggers Go to site
Slightly Askew Boutique Go to site
PackGearGo Go to site
Back to school store Go to site
Erban Spa Go to site
Revival Hair Go to site
Absolute Beauty Go to site
Yoga Studio Cromwell Go to site
Music Machine Go to site
Anstice Optometrists Go to site
Beavers Pet Products Go to site
Rapunzel’s Hair Go to site
Southern Workwear Go to site
Shine Go to site
Impress Boutique Go to site
La Lupa Handbags Go to site
Brackenridge Spa Go to site
Akoya Pearl Party New Zealand Go to site
Oblique Hair Spa Go to site
Payless Supplements Go to site
Lola and George Go to site
Appliance Repair Care Go to site
DeeJays Shoes Go to site
Face to Face Skin Clinic Go to site
City Honda Manawatu Go to site
Eldee Mink Go to site
Bailey Quinns Styling Go to site
Simply Creative Go to site
Brooke Cleland Hair Go to site
NZ Sports Frames Go to site
Depot Sound Recording Studio Go to site
Osom Go to site
Brows by Prince Go to site
Toyworld Go to site
Panel Store Go to site
Cranfields Go to site
Olive & Rocco Go to site
Platinum Wheels Go to site
Savage Performance Go to site
Marua Tyre & Alignment Go to site
Malletts Go to site
10 Week Challenge Go to site
Zirka Circus Go to site
Frankie Apothecary Go to site
Snap Rentals Go to site
Unichem Rangiora Go to site
HungryPC Go to site
Open Warehouse Go to site
Painted Bird Go to site
Jetboil Go to site
Online Uniforms Go to site
Evolve Hair and Beauty Go to site
Red’s Hair Go to site
Foate Optometry Go to site
Shine Hair Company Go to site
Hair Online Go to site
Lush Hair and Beauty Go to site
Jam Hair Co. Go to site
Tremour Audio Go to site
Baby Must Have Go to site
Frankez Go to site
100 Percent Supps Go to site
Curtis Vision Optometrists Go to site
GU Energy Go to site
Modo Hair Go to site
Chaco Go to site
HOKA ONE ONE Go to site
Marmot Go to site
Scarpa Go to site
Baby Toolbox Go to site
Indigo and Iris Go to site
Balayage Hair Go to site
Omnitech Sylvia Park Go to site
Team 7 Go to site
Exile Hair Design Go to site
Hi-B Hair Go to site
MECA Hairdressing Go to site
Go Tech Go to site
Jack n Jill Portraits Go to site
Zee Zee Merino Go to site
KBB Music Go to site
Young and Resolute Go to site
Yoga Therapy Centre Go to site
Peak Chiropractic Go to site
Peter Gower Go to site
Dental on the Shore Go to site
Joy Co Go to site
Sleep Gallery Go to site
Trinity CCTV Solutions Go to site
The Clubhouse Go to site
Bike Lounge Go to site
Takitimu Seafoods Go to site
Diamonds Direct Go to site
Plazmart NZ Go to site
Plate Me Nutrition Go to site
BikePacking Gear Go to site
Wild West Worcester Go to site
Hamilton Dental & Prosthetic Lab Go to site
PIA Boutique Go to site
Outdoor Concepts Go to site
Kiwi 3D Go to site
Toogees Go to site
Hamilton Automotive Repairs Go to site
Moreish Go to site
Fruition For Hair Go to site
Choppas Tyres Go to site
Orlando Fashion Go to site
Scales and Tails Go to site
NZ Shred Go to site
NZ Boardstore Go to site
NRG Plus Go to site
Nido Go to site
MultiKai Cooker Go to site
Momentum Tutoring Go to site
Modern Bags Go to site
Mi Aeris Go to site
Rabbit Borrows Go to site
Meche Salon & Spa Go to site
Love D’Arna Go to site
Lola and Ben Go to site
Girl Native Go to site
Zoom Tyres Go to site
Little Olive Tree Go to site
Tyre Busters Go to site
Serious Stuff Go to site
Little Mama Boutique Go to site
The Glass Shoppe Go to site
Roxanne Rose Design Go to site
Number Eight Security Go to site
K’s Collection Go to site
NZFur + Skin Go to site
The Wildflower Boutique Go to site
Mauri Botanicals Go to site
Fog and Stone Go to site
Yum Jar NZ Go to site
Mini Me Vintage Go to site
Action Equipment Go to site
The ECO Brush Go to site
Dental Solutions of Tauranga Go to site
My Guestbook Go to site
Gray & Co Go to site
Little Honey Go to site
Culture Fitness Go to site
The Guru Knows Go to site
Lilika Designs Go to site
Philip & Guy of Merivale Go to site
KidzAuto Go to site
Lotus Skincare Go to site
Dalzell Furniture Go to site
P3 Services Go to site
Velo Espresso Go to site
Sleepy Heavy Go to site
Manukau After Hours Veterinary Clinic Go to site
Screaming Reels Go to site
Makeup Direct Go to site
Stealing Spaces Go to site
Foxxglow Go to site
Smarty Pants Go to site
Gym Freaks Go to site
Little Rabbits Go to site
Sugar Cube Co. Go to site
Trevs Cycle Shop Go to site
Unichem Hickeys Pharmacy Go to site
Lucenz Go to site
Head Space Hair Go to site
Speed Science Go to site
Just Digital Konnections Go to site
Junk & Disorderly Go to site
Jasmin Sparrow Go to site
SustainaBLAH Go to site
ITS GIRL Go to site
Issue Clothing Co Go to site
Dress Hire NZ Go to site
Industrial Signs Online Go to site
Mama Life Go to site
Indie Home Collective Go to site
QE Health Go to site
Hola Furniture Go to site
Hillcrest Hair Design Go to site
Hello Dear Interiors Go to site
K9 Essentials Go to site
Shimmer Shine Beauty Go to site
Dobsons Go to site
Haircraft Centre Go to site
Gym and Fitness NZ Go to site
Gruzo Go to site
Inspired Beauty Go to site
Emma Steiner Photography Go to site
Frugal Organized Mama Go to site
From NZ Go to site
French Kiss Boutique Go to site
Empire Skate Go to site
Duskies Go to site
Hamilton Dental & Prosthetic Lab Go to site
Dentistry on Musselburgh Go to site
Gnomes Go to site
No1 Blinds Go to site
Dezigner Hair Go to site
Deval Go to site
Covaflex Go to site
Effective Website Design Go to site
Coastlines NZ Go to site
Buy Tonga Go to site
Budget Beds Go to site
Bubzy Box Go to site
Blue Line Embroidery Go to site
Twinkles Go to site
Blackroll Go to site
Haus Scents Go to site
Bach Matakana Go to site
Woodward Clothing Go to site
Beautify Me Go to site
AVS Car Security Go to site
Kaiser Baas Go to site
Auto Parts On Demand Go to site
Tyreland Blenheim Go to site
NZ Lashes Go to site
August Boutique Go to site
Avon City Motorcycles Go to site
Beautyzonia Go to site
Aquatic Plants Go to site
Random Cool Stuff Go to site
Humanature Health Go to site
Home Spot Go to site
Hair Technique Go to site
Hair Transformer Go to site
Speedy Auto & Tyres Go to site
Hind Furnishers & Local Living Go to site
Lyons Auto Ltd Go to site
Treasure U Go to site
Monique Vette Jewellery Go to site
Debz Hair Design Go to site
Safety Online Go to site
Sensory Sam Go to site
Beary Nice Go to site
Ecore Go to site
Vivre Go to site
Dedicated to Nature Go to site
Kiwi Strength Go to site
Bubblebubs NZ Go to site
Ohm Sai Beauty Salon Go to site
Soul Garage Go to site
Gates Eyewear Go to site
twoswitch Go to site
Aura Elixir Go to site
Smart Gear Go to site
Silvereye Flies and Tackle Go to site
The Axe Go to site
Harlow and Beau Go to site
Baby Tree Nappies Go to site
XO Kids Go to site
ADRIENNE WHITEWOOD Go to site
Style Co Go to site
Cre8iveworx Go to site
Chem-Dry Taupo Go to site
Melt My Heart Go to site
Body Science Go to site
Chics & Chaps Go to site
Superyacht Relief Go to site
Foxglow Go to site
LoveMy Make Up Go to site
Little Red Panda Go to site
Eve Health Go to site
From The Corner Go to site
Heads Up on Bank Go to site
Browning Auto Repairs Go to site
Koop Go to site
Lotus Spa Go to site
Bulk Lollies Go to site
Barrington Gifts Go to site
All Things Baby Go to site
Foot Forward Go to site
Little Foxtons Boutique Go to site
Pedens Collision Repair Centre Go to site
Revamp Hair Te awamutu Go to site
MK Tyre Centre Go to site
Stacks Furniture Store Go to site
Pipsqueaks Go to site
MenoMe Go to site
FashionLife Go to site
Colour Swirls Go to site
Native Rituals Go to site
Moover Toys Go to site
Horseshoe Mementoes Go to site
Grockle Bait Scottish Gifts Go to site
Flora Memoire Go to site
Supplements Direct Go to site
Hear Me Roar Go to site
Chic Lifestyle Boutique Go to site
Angela Stone Go to site
Max Catch NZ Go to site
Mike and Luke Tyres Go to site
Paleo Choice Go to site
Top Garage Raglan Go to site
Tina Beauty Go to site
Furniture Point Go to site
Ton-Up Go to site
Chem-Dry Northland Go to site
PerioCARE Go to site
One Stop Furniture Store Go to site
Chem-Dry Rotorua Go to site
Papakura Eyecare Go to site
Parker & Co Go to site
The Lash & Beauty Studio Go to site
Aromasense Go to site
The Natural Co. Go to site
Criss Cross Go to site
Panelcraft Auto Restoration Go to site
Ria’s Natural Health Soap Go to site
Tribeca Go to site
Lynnaires Boutique Go to site
Collective Outlet Go to site
Captured Moments Photography Go to site
Latchwear Go to site
Magichollow Go to site
Inspire Health Go to site
O2 Dive N Surf Go to site
Pure Health Delivered Go to site
Zeba Oil Go to site
Dapper and Co Go to site
Bealey Dental Go to site
NZ Supp Go to site
Fruition for Hair Go to site
Bay Dental Care Go to site
Jamies Go to site
Buckle Up Go to site
First European Go to site
Hair Transformer Go to site
Villainy Music Go to site
The Dental Centre Browns Bay Go to site
Creative Woodcraft Go to site
ReThink Children’s Therapy Go to site
Rayna Go to site
Homegrown Farm Fresh Go to site
Oil Sense NZ Go to site
Indigo Oak Studio Go to site
Platemeters Go to site
Jumpin’ Jacks Toys Go to site
Phoenix Charters Go to site
Palms Dental Care Go to site
Pepi’s Boutique Go to site
Bambini Go to site
Oepan Collection Go to site
Black Hairdressing Go to site
Riverside Dental Warkworth Go to site
Muscle X Go to site
Small Acorns Go to site
Harvey Electronics Go to site
32 Gems Dental Care Go to site
First Aid Online Go to site
Guardian Dental Care Go to site
Pet Essentials Napier Go to site
Envied Hair and Piercing Go to site
Lunchbox Inc Go to site
Tyre World & Auto Go to site
ProSupplements Go to site
Lemon and Sunshine Go to site
Stoddard Dental Go to site
Babababy Go to site
Point Chevalier Family Dentist Go to site
JoyCo Go to site
Uberhorse Go to site
Uncommon Ground Go to site
The Dental Bach Go to site
SportsBra Go to site
Natalie Peri Go to site
One Dental Go to site
General Safety Go to site
Envisage Cromwell Go to site
AFD Store Go to site
Janella’s Party Hire & Events Go to site
Duncan Anderson Dental Go to site
Karāpiro Prime Go to site
Cosmetic Dental Go to site
Time 2 Shine Photography Go to site
Ruapehu Farm Supplies Go to site
Titirangi Dental Go to site
Amirose Beauty Box Go to site
Beaute on High Go to site
Nu Dax Go to site
Dentistry on Highgate Go to site
Miss Moto Go to site
Captain Groom Go to site
Instaframes Go to site
Eastcare Dental Go to site
Tech Doctor Go to site
Mathai Dental Go to site
Pellow Bros Go to site
Cosmetics etc by bex Go to site
Focus 32 Go to site
Wrightway Studios and Auckland Dolls Hospital Go to site
Aspa Computers Go to site
The Sanctuary Go to site
Solace Hair Design Go to site
Kilamanjaro Dental Go to site
Mangos Hair Design Go to site
A+ Dentists Go to site
Clarence St Dental Go to site
Albany Village Dental Go to site
123 Dental Clinic Go to site
Clean Teeth Dental Go to site
Chapel Park Dental Go to site
Endodontic Practice Go to site
Alpers Dental Go to site
Tauranga Crossing Dental Go to site
Shine Dental Go to site
Central Dental Go to site
Divinity St Go to site
Beggs Big & Tall Go to site
Nelson Dental Go to site
Ooplah! Go to site
Bridgestone Westgate Go to site
Waiuku Dental Go to site
Embellished Nails Go to site
Pukekohe Podiatry Go to site
Dental On Seventh Go to site
Tweedle Go to site
Garden City Dental Go to site
xtreme tuning Go to site
Movementum Go to site
North Shore Dental Go to site
Samy Visual Artist Go to site
Flash Dental Go to site
Soothe to Sleep Go to site
Birkenhead Dental Surgery Go to site
Hello Dental Go to site
Wellington Dental Go to site
City Dental Lounge Go to site
Stanmore Bay Dental Studio Go to site
Flame Hair Stylists Go to site
Masterton Dental Go to site
Smilecare Dental Go to site
Auckland Family Dental Botany Go to site
Jill Matthews Glass Go to site
Parnell Dentistry Go to site
Drury Dental Centre Go to site
New Lynn Dental Care Go to site
Milford Family Dental Go to site
Dent1st Go to site
Mangorei Dental Go to site
Gentle Dental Whangarei Go to site
Turangi Dental Go to site
Riverside Dental Care Go to site
Te Kauwhata Dental Go to site
Family Dentist Pakuranga Go to site
Gentle Dental Hamilton Go to site
Hillcrest Dental Go to site
Epsom Dentists Go to site
PAG Pegasus Dental Go to site
The Dental Hub Go to site
Maxcare Dental Go to site
Grafton Dental Go to site
Freemans Bay Dental Go to site
Gentle Dental Nelson Go to site
Bayside Dental Go to site
Accent Dental Go to site
Waikato Dental Go to site
The Dentist East Tamaki Go to site
City Smile Centre Go to site
Smile Design Dental Go to site
Manawatu Dental Group Go to site
Rolleston Dental Go to site
Blockhouse Bay Dental Go to site
Pearl Of Ahuriri Go to site
CBS Dental Johnsonville Go to site
Family Dental Matamata Go to site
Cameron and Field Go to site
Lil Teepeez Go to site
Viva Hair Go to site
Skinsations Go to site
Little Folk Go to site
Rototuna WOF & Auto Centre Go to site
K&K The Label Go to site
Brows By Irina Go to site

What is Zip?

Zip is a service that allows you to purchase goods and services today, then pay them off in instalments. Payments of 25% are made each fortnight and there are no fees or interest charged to you, as long as you make those payments on time. Zip makes its money by charging a fee to retailers, so you can shop guilt-free and know you’re only paying for the products you buy.

While the store list is not huge at the moment, you’re able to use Zip at well-known stores such as The Warehouse, Noel Leeming, Spark and Warehouse Stationery. You can also use Zip at participating dentists, hair stylists and beauty salons.

How do I sign up for Zip?

Signing up for Zip is relatively straightforward as long as you meet the eligibility criteria.

You’ll need to be living in New Zealand, have a debit or credit card issued by a New Zealand bank and be 18 years or over. You’ll also need a New Zealand driver’s licence to verify your ID, though it is possible to go through a manual ID verification process.

If you have your driver’s licence and debit/credit card ready, you can sign up online or download the Zip app, which is available in both the App Store and Google Play. Enter your personal details along with your licence and card numbers, and within seconds you will get an approval and spending limit, as long as you meet the eligibility criteria.

How does it work?

When you shop at participating retailers either online or in-store, you can opt to use Zip to complete your purchase as long as you’re within your allocated spending limit. It’s no problem to spend more than this, but you will need to pay the extra amount owing upfront.

If you’re making a purchase online, select Zip as your payment method when you get to the checkout page. When shopping in-store, you can either log in to your account on the Zip website or access the app on your phone. Select “in-store” and a barcode will be generated for the checkout operator to scan.

At the time of purchase, you will be charged 25% of the total transaction fee. An automated charge of 25% will be deducted from your card over the next three fortnights.

What else should I know?

  • Spending limit. Zip determines a spending limit for everyone who signs up based on an individualised credit assessment. The maximum is $1,000, so if you’re assigned a lower spending limit at first, it’s good to know that this can increase once you have a record of making payments on time.
  • Multiple orders. After you make your first purchase using Zip, you won’t be able to make another one until two weeks have passed. Then you’re able to have multiple orders within your spending limit.
  • Payment dates. Scheduled payments are set each fortnight from the day you make your purchase, so make sure there is money in your account when the payments are due or you’ll get charged a missed payment fee. Zip will send you a reminder when payments are due.
  • Early payments. If you want to get ahead of your payments, you can make an early payment by logging in to your Zip account and heading to the Payments section.
  • Product returns. If you decide to return an item you’ve purchased, the retailer can process a refund on your Zip account.
  • Missed payments. Zip will charge $8 for every missed payment and an extra $8 a week until you get on top of your payments.
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