Pay 25% today and spread the rest over 3 fortnightly interest-free instalments. Shop now, enjoy now.
How it works
Select Zip at checkout or download the Zip app to create your account in minutes.
Pay 25% upfront and your rug ships straight away — no waiting.
Pay the rest over 3 fortnightly instalments — automatically, interest free.
Pay your way
Pay just 25% of your order total today and receive your rug right away. The remaining 75% is split automatically across 3 equal fortnightly payments — no interest, no surprises.
Example — $800 rug
* Example only. Actual amounts depend on your order value.
Simply select Zip at checkout when shopping online to create your Zip account in minutes and complete your purchase. Every purchase you make is interest free.
Download the Zip app to create your account. You can then shop instore at participating stores, and view your balance and upcoming payments.
Get the Zip appCommon questions
Zip allows you to make purchases and get your goods shipped straight away, but only pay 25% upfront — with the rest charged over three fortnightly interest-free payments.
If you pass Zip's minimum credit criteria you will be allocated a starting spend limit between $100–$850, subject to an individualised credit assessment. As you purchase using Zip and make your repayments on time, your spend limit will increase — up to a maximum of $1,000 for most credit scores and $2,000 for those with higher credit scores.
You can sign up when checking out or at zip.co/nz. The sign-up process takes 2–3 minutes and you need to be 18 years or older with valid ID and a NZ debit or credit card.
Zip needs to identify you. You can get manually ID verified as part of the sign-up or checkout process with other forms of ID — this process can take up to 24 hours, so just follow the prompts.
There are no fees or interest costs to shop with Zip if you make your payments on time.
From 31 July 2023, the late fee for Zip Pay in 4 increased to $10 per missed payment on new orders. The maximum late fee per order is capped at $40. Orders made before 31 July 2023 are not impacted by this change.
When checking out online, you can spend above your available Zip credit by increasing your first payment by the difference. This is automatically calculated during checkout.
Zip performs a credit check as part of its application process. Nile Rugs has no influence over Zip's credit criteria. If you have questions about your application, please contact Zip directly at zip.co/nz.
Ready to find your perfect rug?
Browse our collection and pay over time with Zip at checkout.
Hand-knotted Persian, Afghan, and Kilim rugs curated for timeless interiors in New Zealand.
