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New Zealand

Find stores that accept
buy now, pay later

Filter by store category or payment type.

Afterpay Afterpay Genoapay Genoapay Humm Humm Klarna Klarna Laybuy Laybuy Zip Zip
6+
NZ stores
6
BNPL services
4
Categories
Free
Always
★ Featured products
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🔥 Trending this week
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1
The Meat Box
Afterpay Zip
120
visits
2
Urban Sales
Afterpay
30
visits
3
Shark
Afterpay
90
visits
6 stores found
Mighty Ape logo
Mighty Ape ✓
👗 Fashion & Clothing

Mighty Ape is one of New Zealand’s leading online retailers, offering a wide range of products

Afterpay Afterpay Zip Zip
Ninja New Zealand logo
Ninja New Zealand ✓
🏡 Home & Garden

Ninja® is a pioneer in small household appliances and cleaning solutions that fit the lifestyles of busy people all over the world

Afterpay Afterpay
Shark logo
Shark ✓
💻 Electronics

By providing highly functional, innovative products, SharkNinja has rapidly carved out a significant market share in the appliance industry, becoming one of the leading companies in this sector.

Afterpay Afterpay
Temu logo
Temu ✓
👗 Fashion & Clothing

Shop Exciting Products, Brands, And Tools At Temu. Quality Products Sourced Around the World.

Afterpay Afterpay

How buy now, pay later works

Shop at any of our listed stores and split your purchase into easy instalments — no interest when you pay on time.

1
Find a store
Browse our directory of NZ stores that accept Afterpay, Laybuy, Zip, Humm, Genoapay or Klarna. Filter by category or payment type.
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2
Shop as normal
Add items to your cart and proceed to checkout. Select your preferred BNPL service as your payment method.
→
3
Pay in instalments
Your purchase is split into equal weekly or fortnightly payments. No interest charged when you pay on time.
Learn more about BNPL in NZ →

Instalment calculator

See how much your repayments would be with each buy now pay later service.

$
Afterpay
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Genoapay
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Humm
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Klarna
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Laybuy
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Zip
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Compare buy now pay later services

Find the right BNPL service for your needs — compare payments, limits and fees side by side.

Service Payments Frequency Spending limit Late fee Interest
Afterpay 4FortnightlyUp to $2,000$10 None View stores
Laybuy 6WeeklyUp to $1,500$10 None View stores
Genoapay 10WeeklyUp to $1,500$10 None View stores
Zip FlexibleMonthlyUp to $1,000$5–$15 Low View stores
Humm 5 or 20FortnightlyUp to $30,000$8 None View stores
Klarna 3MonthlyVariesVaries Low View stores

Fees and limits are approximate. Always check the provider for current terms.

🆕 Recently added stores

View all new stores →
The Meat Box
There's no need to brave the supermarket anymore. The Meat Box delivers NZ's best meat right to your doorstep.
Afterpay Zip
→
Urban Sales
Urban Sales is an online store for Kiwis who love stylish, multifunctional furniture and creative home design.
Afterpay
→
Temu
Shop Exciting Products, Brands, And Tools At Temu. Quality Products Sourced Around the World.
Afterpay
→
Mighty Ape
Mighty Ape is one of New Zealand’s leading online retailers, offering a wide range of products
Afterpay Zip
→
Ninja New Zealand
Ninja® is a pioneer in small household appliances and cleaning solutions that fit the lifestyles of busy people all over the world
Afterpay
→
Shark
By providing highly functional, innovative products, SharkNinja has rapidly carved out a significant market share in the appliance industry, becoming one of the leading companies in this sector.
Afterpay
→

Frequently asked questions

What is buy now pay later (BNPL)?

BNPL lets you purchase items immediately and pay in equal instalments — usually weekly or fortnightly and interest-free. Popular NZ services include Afterpay, Laybuy, Zip, Humm, Genoapay and Klarna.

Which stores in NZ accept Afterpay?

Hundreds of NZ retailers accept Afterpay. Use the payment filter on this page to see them all, or go directly to buynowpaylater.nz/pay/afterpay.

Is BNPL free to use?

Most BNPL services are interest-free if you repay on time. Late fees (typically $10) apply if you miss a payment. Some services charge account fees on certain plans.

Does BNPL affect my credit score?

Most NZ providers only do a soft credit check which doesn't affect your score. However, missed payments referred to a collections agency can appear on your credit file.

Can I use multiple BNPL services?

Yes — you can hold accounts with multiple providers. Just be aware each active plan is a separate debt, which increases the risk of missed payments if you lose track.