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. During these times, knowing you have someone to turn to if money is short is where Lifestyle Money fits in. 

Our Payment Plan option is available to be used at Home Direct to help you get the big things you need.

Home Direct offers a huge range of products from leading household brands, including smartphones, TVs and gaming consoles, furniture, whiteware and outdoor equipment.

Apply for finance to shop with Home Direct

Payment Plan

Pay off larger purchases over a fixed term

Create a healthy home for your family using our Payment Plan. Have peace of mind when buying those bigger items from Home Direct because you can make small weekly payments spread over a longer period of time. Ideal for purchases such as fridges, washing machines and furniture.

Here's how it 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.

One off establishment fee, no monthly account fees.

Apply now

Payment Plan Calculator

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

Loan type
24 months 6 mths 60 mths

Your repayment estimate


Weekly 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%. 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 as low as 14.5% per annum

Our interest rates range between 14.5% per annum to 25.5% per annum. You will be advised of your interest rate at the time your Payment Plan is approved.
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

We know that sometimes life events such as illness, unemployment or relationship breakdowns can lead to financial difficulty. There are options for you if you find yourself in this position and we encourage you to speak to us in the first instance to discuss how we can help and support you during this time. In many cases, you can make a financial hardship application.

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 budget 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 $500 applies to purchases on Payment Plan.  The Payment Plan account can only be used to purchase items in certain categories such as furniture and large appliances.

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 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, Home Direct accepts credit and debit cards and also offers buy-now-pay-later options. 

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.