Frequently Asked Questions

  • Where can I use my EZPAY account?
  • What is EZPAY?
    A Flexible Finance option that makes shopping with us easy
  • How does EZPAY work?
    Red Rat offers an extended purchase limit for approved EZPAY customers to shop now, pay later
  • When can I shop?
    If your EZPAY application is approved you can shop after a successful direct debit payment.
  • Complaints & Disputes Resolution


    At Red Rat Clothing Limited, we value your feedback and are committed to providing the best possible service. If for any reason you are not satisfied with our products or services, we encourage you to let us know by making a complaint.

    To make a complaint, please follow these steps:

    Contact us: The first step is to contact us directly, either by phone, email, or in writing. Our customer service team will be happy to assist you and help resolve your complaint as quickly as possible.

    Writing to Red Rat's postal address: P O Box 97652, Manukau, AUCKLAND 2241
    Sending us an email:
    By telephone: 0800 728 728

    Provide details: Please provide as much information as possible about the complaint, including any relevant dates, times, and order numbers. This will help us to investigate the issue thoroughly and provide an appropriate resolution.

    Keep records: Make sure to keep a record of any correspondence related to the complaint, including dates and times of phone calls and emails. This will help you to keep track of the progress of your complaint.

    Escalate if necessary: If you are not satisfied with the initial response, you can ask to escalate your complaint to a manager or supervisor. They will review the issue and work with you to find a resolution.

    If you are not happy with the way your complaint has been dealt with by Red Rat then you may contact the Dispute Resolution Service below to assist to resolve the complaint.

    Financial Dispute Resolution
    PO Box 5730
    Wellington 6145
    Ph 0508 337 337

    We take all complaints seriously and will do our best to resolve your issue in a timely and satisfactory manner.

* EZPay is a loan. As a responsible lender we want to make sure the loan is suitable and affordable for you, and that you meet our minimum credit criteria. For more info about how EZPay works, give us a buzz on 0800 728 728.