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Buy now, pay later · Zip

Zip

Own it now.
Pay it in 4.

Zip splits your MODA purchase into four equal interest free fortnightly payments. Pay 25% upfront and take your furniture home — the rest follows automatically every two weeks.

Use Zip online at checkout, or generate an in-store code in the Zip app and scan it at our Ōtāhuhu showroom.

Apply now Learn more at zip.co
4 fortnightly payments
0% interest — always
$2k up to credit limit
3,000+ NZ stores accept Zip

How it works

01

Apply in minutes

Download the Zip app and apply. Use your NZ driver licence for real-time approval, or a photo ID for a response within 48 hours.

02

Shop at MODA

Online, select Zip at checkout. In store, open the Zip app, tap In-store, generate a code and scan it at our showroom counter.

03

Pay 25% today, rest fortnightly

Your first payment is 25% of the total at purchase. The remaining three are taken automatically from your account every two weeks.

Why Zip

Zero interest, always

No interest. Ever. Zip never charges interest on your purchases — just four equal payments over six weeks. No annual fees, no hidden charges.

Online and in store

Select Zip at checkout online, or use the Zip app in store — generate a code, scan it at the counter, and you're done. Manage all your payments in the app.

Simple and transparent

No fine print surprises. You always know exactly what you're paying and when. Pay it off early anytime in the app at no extra cost.

Fees

Sourced from zip.co/nz — subject to change. Full terms and conditions apply.

Interest None — always
Annual or account fees None
Late fee May apply if payment overdue
Maximum late fee per order $40
Credit limit Up to $2,000
View full terms and conditions at zip.co →

Pay in 4 interest free payments over 6 weeks. No interest, no annual fees. Late fees may apply if a payment is overdue — capped at a maximum of $40 per order. Credit limit up to $2,000. Terms and conditions apply. You must be a New Zealand resident aged 18 or over. Credit assessment required. Visit zip.co/nz/terms-conditions for full terms.

Zip questions

Can I use Zip in store at MODA?
Yes. Open the Zip app, tap In-store, and generate a barcode. Our team scans it at the counter and the transaction is split into four payments automatically. No card needed.
Is Zip really interest free?
Yes — always. Zip never charges interest on purchases. No annual fees either. A late fee may apply if a payment is overdue, capped at $40 per order maximum.
How do I apply?
Download the Zip app and apply in minutes. Use your NZ driver licence for real-time approval, or a photo ID for a decision within 48 hours. You must be a NZ resident aged 18 or over.
What is the maximum I can spend?
Zip offers credit limits up to $2,000, subject to credit assessment. Your individual limit will be determined when you apply.
Can I pay off early?
Yes — you can pay off your Zip balance early at any time through the app at no extra cost.
Where can I find full terms and conditions?
Full terms and conditions are at zip.co/nz/terms-conditions. For support, visit help-nz.zip.co or contact Zip directly.

Ready to Zip it?

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

Shop now Visit our showroom