Buying the things you love has never been easier

Find the products you love – available in-store and online
Create your Oxipay account in under 2 minutes
Pay the easier way with 4 easy fortnightly payments
Sit back, relax and enjoy your purchase

Who can use Oxipay?

Anyone who is a New Zealand resident, at least 18 years old, has a valid and verifiable email address, a New Zealand mobile number, a New Zealand issued Visa or Mastercard credit or debit card, has a New Zealand residential and shipping address and has a New Zealand Drivers Licence.

For more information please visit

Sign up to LAYBUY at the checkout for 6 weekly installments – perfect when you like to budget weekly!
How it works:  Simply log in or sign up at checkout, complete your purchase with an existing debit or credit card in seconds – easy!
No interest or set-up fees!*  You simply pay back the purchase amount in 6 weekly automatic payments charged to your credit/debit card.
*please see for information on late payment fees, credit checks and terms and conditions

Who can use LAYBUY?  Laybuy is available to any individuals that live in New Zealand and are at least 18 years old. However, before you can use Laybuy you need to provide your full name, residential address, email address and your mobile number for the credit check/verification. Laybuy will also need your New Zealand debit or credit card details so that they can deduct the amounts in connection with your purchase.

Sign up to Genoapay and pay over 10 weeks!  No interest, no fees!
to get pre-approval sign up here at

We offer 12 months interest free on all purchases over $999.00*

Apply online here

We can also offer up to 36 months interest free** on many items, please contact us before applying online

*subject to credit approval and terms and conditions set out by Gilrose Finance Company Limited.
Usual loan establishment fee’s apply to all finance applications,  please visit for full details

**Sales on interest-free finance longer than 12 months are usually excluded from discounted items, clearance sales or price matches, please contact us for more information.