Flexible Payment Options
1. Buy Now Pay Later Options
Available to use when shopping online only at homeexpress.co.nz
2. Credit Card or Debit Card
Available to use when shopping online and over the phone
Simply choose the product(s) you want by adding them to your shopping cart. Then select credit/debit card as your payment type and fill in a few basic details to complete the sale. We accept Mastercard and Visa.
3. Lifestyle Money Everyday Account
Available to use when shopping online, over the phone or with a retail associate.
The Everyday Account is the most flexible finance option. It's the affordable way to get the things you need now and pay them off over time. It's the account you control and is there when you need it - a great way to shop for everyday items like clothing, shoes and games.
Everyday Accounts are provided by our partner Lifestyle Money and your application will be subject to their lending criteria, terms and conditions. Once you’re approved for an Everyday Account following a quick application process supported by our friendly team, you can shop to the limit of your credit. You make small affordable weekly or fortnightly payments, but also have the ability to make additional payments on your account as often as you like. This arrangement is called a revolving line of credit.
The amount you pay and the length of time you have been keeping up payments determine how much you can purchase each time you shop.
There is a $6 monthly account management fee, and your account is subject to a variable interest rate between 14.5% p.a. - 27.5% p.a. depending on risk. Interest rates are not fixed and are subject to change.
All products featured on this website are available to purchase using an Everyday Account.
You can find more information about the Everyday Account on the Lifestyle Money website, including all terms and conditions.
4. Lifestyle Money Payment Plan
Available to use when shopping over the phone or with a retail associate.
Create a healthy home for you and your family using a Payment Plan. Plan your budget and repayments for those larger items like fridges, washing machines and furniture because you can make set weekly payments spread over a specific period of time.
Payment Plans are provided by our partner Lifestyle Money and your application will be subject to their lending criteria, terms and conditions. You’ll be taken through a quick credit application process and once approved, you can shop for items including smartphones, TVs, gaming consoles, furniture, household appliances, small appliances and outdoor equipment. You can choose a term of up to 60 months for the payment of your goods (except mobile phones which have a maximum term of 36 months) allowing you to make smaller, more affordable weekly payments.
There is a $40 establishment fee but no monthly account fees for Payment Plan. Your account is also subject to a variable interest rate between 14.5% p.a. to 27.5% p.a. depending on risk. Interest rates are not fixed and are subject to change. You can find more information on the Lifestyle Money website about Payment Plan including all terms and conditions.
For more information please refer to the Lifestyle Money Master Terms & Conditions.