Accepted Payment Methods

Shopping online with Big Save is super easy.

Browse our great selection of furniture and beds, find the perfect item you’ve been looking for and add it to your shopping cart.

We now accept the following payment methods at checkout:

Get it now. Pay it in 6. Interest Free. Easy.

Laybuy lets you receive your purchase now and spread the total cost over 6 weekly automatic payments. Interest free.

How it works:

  1. Simply proceed to checkout as normal and select Laybuy as your payment method.
  2. Log in or sign up and complete your order in seconds.
  3. Choose your payment day, view your schedule and select pay now.
  4. You’re done! your items are on their way. Payments will be taken each week automatically.

What do you need?

  • A credit or debit card
  • To be over 18 years of age
  • To be living in New Zealand

Important to know

If you fail to make payment, you may be charged a late payment fee of $10. Sign up in seconds at the checkout or on the Laybuy website where you can also view full T&C’s www.laybuy.com

Little things. Big things. Everything. No interest ever.

When you shop with humm you can spread the cost of your purchase over 5 weekly or 10 fortnightly instalments^, instead of paying the whole lot upfront. You only pay the cost of your purchase. There is no interest and no added fees, as long as you pay on time*.

How it works:

  1. Select humm as your payment method at checkout
  2. You will be asked to join humm or log in if you’re already a member.
  3. Nominate your New Zealand MasterCard or Visa credit or debit card and humm will schedule your 4 fortnightly payments.

Who can use humm?

  • Be 18 years or older.
  • Be a permanent resident of New Zealand.
  • Have a permanent job (at least 25 hours a week) or be on a New Zealand Super or Veteran’s Pension.
  • Be sure you’re not insolvent (or declared bankrupt).
  • Have a valid New Zealand driver licence or passport.

Important to know

^ When you purchase ‘little things’ with humm (up to a maximum of $1000), humm pays the retailer and you pay in 5 weekly or 10 fortnightly instalments. The first instalment is due when you make a purchase, with the remaining instalments due every week or fortnight.

* A late fee of $10 is charged if humm does not receive your payment by the due date. If you are past due by more than 7 days, your account may be passed to humm‘s Collections team where a $30 fee may be applied to your account.

For full terms and conditions or for more information please visit www.shophumm.com/nz

Life doesn’t have to wait. Shop now, Pay over 10 weeks. No interest. No Fees. No Wait.*

Genoapay is the easy way to shop now and pay later – spread the cost of your purchase over 10 weekly payments instead of all at once. With no interest, and no fees when you pay on time.

How it works:

  1. Choose Genoapay at checkout when shopping online
  2. Set up your account and we’ll tell you straight away if approved
  3. Get it now, pay with 10 easy payments. No interest. Ever.

What do you need?

  • To be over 18 years old
  • A NZ drivers licence or passport
  • A credit/debit card (Visa or MasterCard)
  • First instalment paid at checkout

Important to know

Pay each instalment on time, and it won’t cost a cent more than the purchase price. If you miss a payment, a $10 late fee will apply, but Genoapay will send you a reminder to help keep you on track.

*Approved applicants only. Available for purchases between $20 and $1,000, subject to approved account limit. Late fees apply. Terms and conditions apply. Genoapay is a registered financial services provider FSP646749. Genoapay is provided by Latitude Innovation Holdings Limited.

For full terms and conditions or for more information please visit www.genoapay.com/

Afterpay it in 4. Always interest-free.

Get what you want today, pay it in four instalments, always interest-free

How it works:

  1. Select Afterpay at checkout as your payment method
  2. Log in or create your Afterpay account, with instant approval decision.
  3. Your purchase will be split into 4 payments, payable every 2 weeks.

What do you need?

  • A credit or debit card
  • To be over 18 years of age
  • Be a New Zealand resident

Important to know

Late fees and additional eligibility criteria apply. The first payment may be due at the time of purchase. For complete terms visit www.afterpay.com/en-NZ/terms

Own it now, pay later.

Say ‘goodbye’ to wishing and waiting. Say ‘hello’ to owning and loving it. Split your order into 4 interest free instalments, paid over 6 weeks. Get approval in minutes for up to $1,000 spending, and pay only 25% when you shop.

How it works:

  1. Simply proceed to checkout as normal and select Zip as your payment method.
  2. Log in to your Zip account. If you don’t have one yet, you can create an account in 2-3 minutes as part of checkout.
  3. Pay the first 25% of the purchase amount today, but get your goods straight away.
  4. Pay the rest of the balance over 3 fortnightly instalments. Interest free.

What do you need?

  • To be over 18 years old
  • Have a credit or debit card
  • To be living in New Zealand

Important to know

If you miss a scheduled payment and don’t process a payment before midnight on the day it is due, you will be charged an $8 default fee and a further $8 for every week it is outstanding, so make sure you have money in your account in advance of your payments coming out. You’ll get an email in advance every time as a reminder.

For full terms and conditions or for more information please visit www.zip.co/nz

Pay the clever way. Shop now, pay later.

If you have a Gem Visa card, you can use it at the checkout like any other Visa or Mastercard credit card. Simply select the Visa/Mastercard option, enter your card details and you’re done!

Interest free fixed terms – Minimum monthly payments required.
*Normal credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa / $50 Gem CreditLine), apply. Paying only the minimum monthly repayment of 3% of the outstanding monthly balance or $20 (whichever is more), will not be sufficient to repay the purchase amount(s) within the promotional period. Amount payable will be shown on your monthly statement. Prevailing interest rate (currently Gem Visa 25.99% p.a./ Gem CreditLine 29.95% p.a.) applies to any remaining balance on the expiry of the interest free period. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.

For more information please visit www.gemfinance.co.nz

For buying the things that matter.

Q Card / Q Mastercard is your perfect shopping partner for purchases big or small, combining the benefits of a credit card with a range of interest-free deals and payment holidays*.

If you have a Q Card or Q Mastercard, you can use it at the checkout like any other credit card. Simply select the Visa/Mastercard option, enter your card details and you’re done!

*For full terms and conditions or for more information please visit www.qcard.co.nz or www.qmastercard.co.nz.

Pay online with internet banking.

With POLi you no longer need to have a credit card when shopping online. POLi allows you to pay for your purchases straight from your bank account using your Internet Banking.

POLi is a great alternative to credit and debit cards when you’re purchasing online. POLi provides a quick, secure and free payment option by connecting you to your bank. You don’t need to register – just follow the prompts when you go to pay.

How it works:

  1. Select the POLi payment option when you checkout
  2. Log into your bank account using POLi. The payment is protected by your bank’s authentication and security
  3. POLi automates the payment process and certifies to the seller that the payment has been made
  4. Once accepted, the retailer will send the goods (or prepare them for collection) as they would with any other payment method

POLi works seamlessly with all major New Zealand banks. To find out if your bank is included, or for more information please visit www.polipay.co.nz

It’s everywhere you want to be.

If you have a Visa credit or debit card, you can use it at the checkout. Simply select the Visa/Mastercard option, enter your card details and you’re done!

For full terms and conditions or for more information about your Visa please visit www.visa.co.nz

There are some things money can’t buy. For everything else, there’s Mastercard.

If you have a Mastercard credit or debit card, you can use it at the checkout. Simply select the Visa/Mastercard option, enter your card details and you’re done!

For full terms and conditions or for more information about your Mastercard please visit www.mastercard.co.nz

Additional payment methods accepted instore

We also accept a range of finance and alternative payment options instore.
Contact your nearest Big Save store to find the right payment solution for you.

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