Finance options

Buy now, pay later · Afterpay

Afterpay

Pay in 4.
Interest free.

Split your MODA purchase into four equal payments over 6 weeks — no interest, no annual fees. The first payment is made at checkout; the remaining three are automatically taken every two weeks.

Use Afterpay online at checkout, or in store at our Ōtāhuhu showroom via the Afterpay Card in your digital wallet.

Get started Learn more at afterpay.com
4 equal payments
6 weeks to pay
0% interest when you pay on time
$0 annual or hidden fees

How it works

01

Shop at MODA

Browse online or visit our showroom. When you're ready to checkout, select Afterpay as your payment method.

02

Pay 25% today

Your first payment — 25% of the total — is taken at the time of purchase. You take your furniture home straight away.

03

Three more fortnightly

The remaining three payments are automatically taken from your debit or credit card every two weeks — nothing to remember.

Why Afterpay

No interest, ever

Afterpay is always interest free when you pay your instalments on time. No annual fees, no hidden charges — just four equal payments.

Online and in store

Use Afterpay at checkout online, or in store via the digital Afterpay Card — add it to Apple Pay, Google Pay or Samsung Pay and tap to pay.

Built for responsible spending

Spend limits start low and grow with consistent on-time payments. Afterpay sends reminders before every payment so you stay on track.

Fees

Sourced from afterpay.com/en-NZ — subject to change. Full terms apply.

Interest None
Annual or account fees None
Late fee — orders under $40 Up to 25% of order (one-off)
Late fee — orders $40 and over $10 initial + $7 after 7 days per missed payment
Maximum late fee per order 25% of order or $68 — whichever is less
View full terms at afterpay.com →

Late fees, eligibility criteria and terms and conditions apply. Credit checks apply. You must be a New Zealand resident aged 18 or over. Afterpay pays the merchant in full; you repay Afterpay in four equal instalments over six weeks, with the first payment due at the time of purchase. Late fees are capped at 25% of the original order value or $68 per order, whichever is less. Visit afterpay.com for full terms and conditions.

Afterpay questions

Can I use Afterpay in store at MODA?
Yes. Set up the Afterpay Card in the Afterpay app, add it to your digital wallet (Apple Pay, Google Pay or Samsung Pay), and tap to pay in store at our Ōtāhuhu showroom.
Is Afterpay really interest free?
Yes — always, when you pay your four instalments on time. There are no annual fees and no interest. A late fee applies only if you miss a payment, capped at 25% of the order or $68, whichever is less.
How do I sign up?
Download the Afterpay app, go through the quick eligibility assessment, and link a debit or credit card. You must be a NZ resident aged 18 or over. A credit check is required at sign-up in line with NZ regulations.
What happens if I miss a payment?
Afterpay sends reminders before every payment. If you do miss one, a late fee may apply and your account is paused until you're up to date. You can also reschedule a payment up to 3 times a year in the app.
Will Afterpay affect my credit score?
Consistent on-time payments can positively impact your credit score. A credit check at sign-up may be visible to other lenders. Checks for spend limit increases are not visible and won't affect your score.
Where can I find full terms and conditions?
Full terms, fees and conditions are at afterpay.com/en-NZ. For support, use the help section in the Afterpay app.

Ready to pay it in 4?

Select Afterpay at checkout — online or in store at our Ōtāhuhu showroom.

Shop now Visit our showroom