Free Standard Shipping within NZ when you spend $150. Ends 11:59pm Sunday, the 31st of July.

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Pay it in 4 or 8 payments,
interest free!
Get what you want today and choose to spread the cost over 4 or 8 interest free payments
Shop after 1 payment,
pay over time
A flexible finance option that makes shopping with us easy and receive $50 off your first purchase when you spend $199*
What is best for me?
SPLITPAY
EZpay
Splitpay EZpay
Legal age to apply
18
Legal age to apply
Legal age to apply
18
Payment type
Credit/Debit card instalment
Payment type
Payment type
Direct debit payment
Initial maximum limit
Up to $500
Initial maximum limit
Initial maximum limit
Up to $500
Minimum purchase requirement
$80
Minimum purchase requirement
Minimum purchase requirement
Nil
Minimum weekly/fortnightly payment
$10/week or $20/fortnight
Minimum weekly/fortnightly payment
Minimum weekly/fortnightly payment
$20/week or $40/fortnight
Interest
Interest Free
Interest
Interest
22% per annum
Application fee
Nil
Application fee
Application fee
Nil
Monthly account maintenance fee
Nil
Monthly account maintenance fee
Monthly account maintenance fee
$3 per month
Missed payment fee
$10 each
Missed payment fee
Missed payment fee
$15 each
Credit check
Yes
Credit check
Credit check
Yes
First time purchase discount
20% off first purchase
First time purchase discount
First time purchase discount
$50 off first purchase when spend $199 or more
Apply Now Apply Now
FREQUENTLY ASKED QUESTIONS
SPLITPAY
EZpay
  • General
  • Sign Up
  • Payments
  • Refunds & Returns
How does SplitPay work?
SplitPay allows you to spread the cost of a purchase online with Red Rat over 4 fortnightly or 8 weekly installments, interest free! There's no sign up costs or hidden fees. The only time you'll pay extra is if you miss a payment.
Do i have to spend a certain amount to pay with SplitPay?
Yes, you must spend $80 or more to pay with SplitPay.
If i have an EZPay account, can i still apply for SplitPay?
Yes, but any Splitpay payments are additional to your regular EZPay payments.
What do I need to apply?
You'll need a current New Zealand Driver's License or Passport, credit or debit card and your contact details. That's it!
Which cards can I use with SplitPay?
We accept credit and debit cards from Mastercard and Visa which were issued in your country of residence. We do not accept foreign issued cards for overseas banks or pre-paid cards.
How do I pay?
At the time of purchase you can select whether you would like to pay via 4 fortnightly payments or 8 weekly payments. Once selected and your order placed, you will be given a payment schedule and each payment will be charged automatically to your selected card.
When will my first payment be taken?
Your first payment will be made at the time of purchase and then on each day as set out in your payment schedule.
Can I change the date of my next payment?
No, once you choose your desired number of repayments (4 fortnightly or 8 weekly) you are unable to change the date that your payments are due on. Alternatively, you can pay an installment early which will mean that payment won't be taken on the scheduled day but will resume for any remaining payments as scheduled.
Can I make an early payment?
Yes! You can pay all or some installments early. Just log into your Red Rat online account and you can select which payment you would like to make early in the SplitPay dashboard by clicking 'Pay now'.
Can I pay some of an installment?
No, you must pay the amount set out in your payment schedule as they fall due.
What happens if I miss a payment?
If you miss a payment, a late fee of $10 will be added to your total outstanding. A maximum of 2 late fees apply per order. Each late fee will be spread amongst the remaining installments.
If the amount you owe remains outstanding, we may instruct a debt collection agency to to collect the amount you owe, incurring an additional $45 fee. A maximum of 1 fee per order is applied.
How can I make up a missed payment?
You can make up a missed payment by logging into your online Red Rat account and paying via the SplitPay dashboard.
What can I do if I'm suffering financial hardship?
If you're experiencing financial hardship, please contact us on 0800 728 728 and speak to one of our friendly team members.
Can I return my order and get a refund?
Yes, you can return your order by sending it back to the Red Rat Distribution Centre as long as it is eligible under the Red Rat returns policy. Once your return is accepted, we will cancel any future installments and refund any money owing to the original payment source. For more on returns, click here.
Can I return some of my order and get a refund?
Yes, you can return part of your order by sending it back to the Red Rat Distribution Centre as long as it is eligible for return under the Red Rat returns policy and the amount will be taken off your total to pay. If you have paid off your order, you will be refunded any money already paid to your original card. For more on returns, click here.