Zip NZ - Shop Now, Pay Later

Name: Zip NZ - Shop Now, Pay Later
Rating: 4.8 (10090 reviews)
Author: Zip Co NZ Limited

Zip Co NZ Limited

4.8 • 500K+

Safe

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Compliance: Law-aligned
Category: Finance
Download: 500K+
Safety: 100% Safe
Price: Free
Developer: Zip Co NZ Limited

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Screenshots

About this app

Get all your shopping sorted with 6 weeks to pay, interest free. Create your Zip account in minutes. The Zip app is a fast, easy and secure way to pay for your purchases over 4 interest-free payments, online and instore, and manage your account. Zip is here to help you pay for life’s extras. Shop at over 1,900 New Zealand businesses including JB HI-FI, Baby Factory, The Warehouse, Noel Leeming, Bunnings, Temu, Rockshop, Culture Kings, Torpedo7, Warehouse Stationery, Mighty Ape, Spotlight, Chemist Warehouse, Placemakers and more. Pay only 25% up-front and the rest over 3 fortnightly interest-free payments. There are no fees or interest charges if you pay on time. Sign up & Explore - Apply for a Zip account in minutes from your mobile. - Browse more than 1,900 retailers and over 3000 stores in our Store Directory. - Use our location based map to find where you can shop nearby. - Access exclusive offers and discounts. - Favourite stores and shop in-app. - Easily shop in-store in a range of businesses from retail stores, to dentists, to hair salons and many more. Shop securely - Enjoy one, simple login. - Manage your passcode and biometrics from the app. - Access to our help site and content from the app. - Enrol into Passwordless via passkeys for a more secure experience. Full Flexibility & Control - Get control over your first payment for online and in-store orders, Pay up to 100% up front and manage your finances like a pro. - Increase your spending power by utilising your full Zip balance plus your own funds for those larger transactions. Available in-store and online. - Choose your preferred payment day for your payments. Choose a day that works for your and we'll align it within +/- 3 days of your next payment. - Just press and hold on the Zip app for options. Create an in-store code from the home screen. Unlock more payment options - Keep shopping with Zip to unlock options like Giftcards and move payments. - Looking to send a digital giftcard for yourself or a friend instantly? Get 6 weeks to pay, interest free, at more than 80+ retailers with Zip e-Giftcards. - Shop at Uber, Farmers, Cue, Dotti, DoorDash, Spotify, Playstation & Xbox Stores and more by purchasing Giftcards over 4 interest free weeks. - Unlock the ability to move your payments forward by up to 7 days. Made to help you manage your finances better regardless of your situation. Manage your account - Check your spend limit and available balance. - View upcoming payments and pay them early if you wish. - View historical purchase and payment info. Zip it your way for life's extras.

💳

See your money

Zip NZ - Shop Now, Pay Later brings your balances and activity into one view.

📊

Track activity

Transactions are listed so you can follow your spending.

📱

Manage on the go

Handle common account tasks from your phone.

Advantages

A clear overview keeps balances and activity in one place.
Alerts help you stay aware of account changes.
Common tasks are available without visiting a branch.

What users say

taine dillon

Jun 30, 2026

constantly getting locked out of app had 3 or 4 times where I was locked out for so long I ended up having to pay late fees that I should have had to,if I was able to get into the app I could have laid them on time,tried to get help with it but you end up talking to the a robot that has about 3 responses. not happy at all,gone from a 5 star to a 1 star really quick.

Bronwyn McKenzie

Jun 16, 2026

I really Enjoyed the app and the prices limit and its a great help with hardship if need to use it. They are understanding with my accout app. I start with zip a long time ago. Stopped and started. When it came out. And i will continue to use the app with zip. Big Call-out Thank you. Keep up the great help and support. eg I had a problem with my bank card needed a new one. Zip came up with the Plan with my account and i pay the bills. Work it out. low limit Helps alot buy more when Can do it.

Emma Speight

Jun 28, 2026

Great little app to help out when you dont have all the cash you need at the time & have an urgent purchase. its a shame Zip is not accepted at more retail outlets.

Sitaleki Latu

Jun 25, 2026

very handy when your struggling to buy something you can't pay for the whole amount, also good to use it wisely

Anuradha Iroshan

Jun 21, 2026

I love this app , I close the account couple of months back , and when want to re join , the customer service was so helpful. I gain access with in a reasonable time frame. thank you ZIP.

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