A helping hand with those larger items for your home.

We all need to buy or replace those larger items in our homes from time to time. Like washing machines, fridges and couches. At times like this, knowing that you have someone to turn to if money is an issue, is an incredible help. That's where Lifestyle Money fits in.

Our Payment Plan option is available to use through our retail partner, Home Direct, helping you get the big things your home needs. When you shop at Home Direct, you will find a huge range of products by leading brands, including smartphones, TV, gaming consoles, furniture, household appliances, small appliances and outdoor equipment.

Apply for finance to shop with Home Direct

Payment Plan

Pay off larger purchases over a fixed term

With Lifestyle Money's Payment Plan, you can plan your budget and repayments when buying items for your house from Home Direct. This includes smartphones , TV, gaming consoles, furniture, household appliances, small appliances and outdoor equipment. Shop Home Direct with our payment plan and make small payments, spread over a longer period.

Here's how the payment plan works:

Shop over the phone or in your home with one of Home Direct’s Customer Representatives. 

Choose a fixed term up to 60 months for the payment of all your goods allowing you to make smaller, more affordable weekly payments.

The application process is quick and you’ll be supported by our friendly and helpful credit team. The things you buy will be delivered directly to your door.

Competitive interest rates between 14.5% - 25.5% per annum depending on your risk. Interest rates are not fixed and subject to change.

One off $40 establishment fee, no monthly account fees.

Apply now

Payment Plan Calculator

Lower weekly payments allows you to spread the cost out over a longer period, taking the pressure off your weekly budget. Higher weekly payments save you more in the long run as you'll pay less interest overall. Use the calculator below to work out the most affordable repayment option for you.

Loan type
6 months 6 mths 60 mths
excluding cell phones with a maximum term of 3 years

Your repayment estimate


direct debit
Estimate includes establishment fee of $40

Interest amount


Total amount borrowed


Apply now or call 0800 427 334

Disclaimer: Results are an estimate only and based on the information entered into the calculator by you. Any results provided by this calculator are to be used as a guide only, and do not constitute a quote from Lifestyle Money. Repayment, interest and total borrowed amounts are based on an interest rate of 25.50% per annum and assuming that rate does not change. Limits, rates, fees and repayments may differ on application and are based on your individual assessment, Lifestyle Money’s credit criteria, terms and conditions. Lifestyle Money will not store the information provided in this calculator.

Interest rates from 14.5% per annum

Our payment plan interest rates start as low as 14.5%, ranging between 14.5% and 25.5% per annum. Depending on your risk, you will be advised of your interest rate at the time your plan is approved. Interest rates are not fixed and are subject to change.
Our fees are set out in the table below:

  Payment Plan Fees
Monthly account fee -
Establishment fee $40
Missed payment fee $15
Field visit (for payments in arrears) $65

Financial hardship support

Don't let unexpected events in life bring on the financial strain. Whether you've lost a job, have hospital bills to pay, or are facing any other financial difficulty, don't hesitate to reach out for help.

Lifestyle Money can provide hardship support for these times when you need that extra support. Don't drown in your finances, talk to us about what's going on. In many cases, a financial hardship application will be applicable.

Find out more

Frequently asked questions

Not at this stage, although it is important to us to offer you greater choices, so this is something we are working on.

You must be at least 18 years old. You also must be a New Zealand citizen or permanent resident and earning or receiving a regular income. 

You’ll need to provide original or certified identity documents. There are three options:


  • New Zealand Passport; or
  • New Zealand certificate of identity; or
  • New Zealand firearms licence; or
  • Foreign passport (New Zealand residents only)


  • New Zealand Birth Certificate; or
  • Certificate of Citizenship; or
  • Birth Certificate issued by a foreign government

Together with one of the following:

  • New Zealand driver’s license; or
  • HANZ 18+ card; or
  • Kiwi Access Card; or
  • Current international driving permit


  • New Zealand driver’s licence

Together with one of the following:

  • Bank statement addressed to you and dated within the last 12 months; or
  • Any New Zealand Government department statement addressed to you and dated within the last 12 months; or
  • Document issued by Government agency that has name and signature, for example New Zealand SuperGold Card or Community Services Card; or
  • Credit/Debit/EFTPOS card with name embossed

To ensure we comply with our legal requirement as a responsible lender, we will also need you to provide:

  • Up to 3 months current bank statements
  • Proof of income you receive or earn from regular sources
  • Overview of your current expenses

The amount you can spend at Home Direct either with your Everyday Account or Payment Plan will be determined during the application process and is based on your income and expenses and what you can reasonably afford. You’ll be given a limit and from there you can buy items from Home Direct up to that amount.

You can buy any goods from Home Direct using your Everyday Account (provided you have enough credit available). A minimum value of $499 applies to purchases on Payment Plan. The Payment Plan account can only be used to purchase items including smartphones, TV, gaming consoles, furniture, household appliances, small appliances and outdoor equipment.

If you have an Everyday Account, you can spend whatever available credit you have anytime you wish on any items in the Home Direct store. The more you pay off, the more you’ll have available to spend again. If you want to make frequent purchases in an ongoing manner, the Everyday Account is likely your best option as it enables you to buy when you want (provided you have available credit). 

Payment Plan is a fixed amount that you pay off over a set period of time. If you want to purchase again it will either be via a new Payment Plan Account or via an Everyday Account. Only selected Home Direct product categories are available to purchase using Payment Plan.

No, Lifestyle Money also offers a Everyday Account for shopping at Home Direct. Home Direct also accepts credit and debt cards.

Please call us on 0800 427 334, ideally before you miss the payment. You’ll find more information on our financial hardship page.

Yes. We only want you to be approved for an Everyday Account or Payment Plan if it is the right thing for you and your budget.

Think you and your family could benefit from a payment plan with Lifestyle Money? Apply today and start shopping at Home Direct to get the things you need without stressing about the up-front cost.

Terms and conditions, eligibility criteria and our responsible lending criteria apply.

Let's talk