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Maybe you've just got to have that big-screen TV in time for the test match - or perhaps your fridge has unexpectedly given up the ghost. At Folders, we have a helpful range of finance options to suit your budget.

When choosing the best finance plan for you, it's good to start by looking at your current commitments. For example, if you have other hire purchase payments, when are they due to expire? Are there other events coming up that will mean extra expense e.g. Christmas, birthdays, back-to-school costs?

Here are some ways Folders may be able to help you finance your purchase (subject to applicable credit and lending criteria):

1. Afterpay enables buyers to purchase items and receive them straight away – while paying them off in four fortnightly interest-free payments. 

To be eligible for Afterpay, buyers must:

  • live in NZ
  • be at least 18 years old
  • be capable of entering into a legally binding contract 
  • have a valid and verifiable email and mobile number
  • use a NZ debit or credit card to make the purchases.

Afterpay is free for buyers, providing you pay instalments on time. Afterpay set individual credit limits per user.


Zip Logo

2Zip offers a simple instalment plan for Kiwi shoppers, allowing a purchase to be split and paid for in four instalments, due every 2 weeks. So you'll pay for your first instalment (25% of the order total) at the time of purchase with Zip, instead of paying the total amount, and the remainder over time.

To be eligible for Zip, buyers must:

  • Live in New Zealand
  • Be at least 18 years old
  • Be capable of entering into a legally binding contract
  • Have a valid and verifiable email address and NZ mobile number
  • Have a NZ bank issued credit or debit card
  • Have a valid NZ Driver Licence or other ID with acceptable proof of address

    Note: If you fail to make payment, you may be charged a late payment fee of $10.

    Proceed to the checkout and select Zip as your payment method. 


    3. Credit cards are another option. At Folders we accept all major credit cards; as well as Q-Card, GE CreditLine, Farmlands, and Farmers Card.

    QMasterCard is smarter than your average credit card because you get a three-month payment holiday – with no repayments and no interest for the first three months. Your Q Card comes with a pre-approved credit limit. You can use it buy a wide range of goods at hundreds of New Zealand retailers. You can find out more on the Q-Card website, and apply for a Q-Card online.
    With Gem Visa get 6 months interest free on any Visa purchase over $250 – anywhere, anytime. Long term interest free offers are also available at over 2,000 retail outlets and service providers across New Zealand. You can find out more on the Gem Visa card online website.
    GE Creditline works in the same way as a credit card, and you can use it through EFTPOS and ATMs. When you use your GE card for any EFTPOS purchase over $100 at Folders, you can get 120 days interest free with deferred payments. (In other words, you won't need to pay a cent for almost four months). GE CreditLine also offers long term promotional terms (interest free start-up, deferred payment and interest bearing terms).
    Farmers Card is also welcome at Folders. There's no annual fee, and you get up to 55 days interest free. As a cardholder you'll also get access to exclusive deals and discounts.
    Farmlands Card is available for those who are members of Farmlands Co-operative. Gives you access to 3000 retailers nationwide including us at Folders.
    For RD1 members the RD1 SuperCard gives you access to great deals at more than 2000 retailers across the country including us at Folders


    4. Bank Deposits Even though we operate a very secure website some customers still do not want finance, or like using their credit card online, so using online banking is a great alternative.