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Red Rat
Find a Store 0800 728 728
Red Rat

BUY NOW PAY LATER

CHOOSE YOUR NUMBER OF PAYMENTS

Splitpay allows you to choose between 4 fortnightly or 8 weekly interest free payments to best suit you

NO SIGN UP FEES OR INTEREST!

You'll only ever pay the price of your order when you pay on time. The only fees added are for late payments but we'll provide you with a payment schedule so there's no surprises

EASY SIGN UP

After you've completed a few easy steps, we'll instantly process your application and apply a spending limit on approval so you can spend straight away

SIMPLY SELECT SPLITPAY
AT THE CHECKOUT

SIGN IN

HOW DOES SPLITPAY WORK?

STEP 1

Proceed to checkout as normal and select Splitpay as your payment method.

HOW DOES SPLITPAY WORK?

STEP 2

Sign up and complete your order in seconds.

HOW DOES SPLITPAY WORK?

STEP 3

Choose 4 payments fortnighly or 8 payments weekly.

HOW DOES SPLITPAY WORK?

STEP 4

You're done! Your items are on their way. Payments will be taken fortnighly or each week automatically.

FREQUENTLY ASKED QUESTIONS

  • 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.