Useful links

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.

Visit to find a Financial Mentor. There are 200 financial mentoring services across more than 300 locations nationwide.


MoneyTalks is a free helpline available to provide free, confidential and independent budgeting advice to individuals, family and whanau.

If you are struggling with money or have concerns about your finances, get in touch with a trained financial mentor, phone 0800 345 123, text 4029, email or access online chat and more information at

Head to, an independent, impartial, government-funded organisation dedicated to helping Kiwis get ahead financially. 

When you borrow money, the Credit Contracts and Consumer Finance Act (CCCFA) ensures you are able to make informed choices and know what you are agreeing to. Visit the Consumer Protection website for more information.

Visit the Gambline Helping website or phone 0800 654 655. 

Our bank account details are:

Lifestyle Money Limited
ASB: 12-3244-0041945-00

Please quote your account number as the reference. 


Frequently asked questions

We do have a mobile version of the Lifestyle Money customer portal, which can be used on iPhone or Android devices. Click here for instructions. 

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.

Regardless of which financial option you're applying for, 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

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.

Yes. We only want you to be approved for finance if it is the right thing for you and your budget.

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

  • Missed payment fee $15 per missed fee
  • Field Agent visit $65 payable when a field agent tries to visit you if you're in default
  • Everyday Account Monthly account fee $6
  • Payment Plan Establishment fee $40
  • Personal Loan Secured Establishment fee - $55
  • Personal Loan Unsecured Establishment fee - $50