Own it now, pay later with Zip at Smiths City

Zip lets you purchase now and spread the total cost over 4 fortnightly payments, interest free.

Shop online with Zip. It's as easy as this: Choose Zip at the checkout to create your Zip account in minutes and complete your purchase. Every purchase you make with Zip is interest free.

Don't have an account yet?

Create your Zip account >

Ready to start shopping with Zip?

Say 'goodbye' to wishing and waiting. Say 'hello' to owning and loving it.

Need a hand?

Try our Frequently Answered Questions.

How does Zip work?

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.

How much credit can I get with Zip?

If you pass Zip's minimum credit criteria you will be allocated a spend limit between $150 - $1,000 subject to an individualised credit assessment. If you purchase using Zip and make your repayments on time, your spending limit can increase.

How do I sign up with Zip?

You can sign up when checking out or at zip.co/nz. The sign-up process takes 2-3 minutes and you need to be 18 years or older and have a NZ debit or credit card.

Are there any hidden fees?

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).

Can I spend above my credit limit?

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.

Why did I get declined?

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

Why can't I shop with Zip again straight away?

If you are a new Zip customer, you will need to wait until your 2nd instalment has been paid (2 weeks after purchase) before you can shop with Zip again.