Getting started
Applying takes minutes, not a trip to a store.
- 1
Apply in the app.
Tell us a bit about yourself and verify your identity — we need this to keep your account secure and to meet New Zealand's credit-checking rules.
- 2
Connect a bank account.
We use read-only access to your transactions to work out what you can comfortably afford. You approve the connection, and you can disconnect it any time.
- 3
Get your decision.
Most decisions come back quickly. If you're approved, you'll see your credit limit before you agree to anything.
Being able to open the app or start an application never guarantees approval, and any limit shown before you're approved is indicative only. Full detail on eligibility and how we assess applications is in our terms & conditions.
Once you're approved
Your Revolving Credit account, ready to shop.
One approval opens your account. Draw on it and repay as you go, every time you're at the counter — no sign-up fee, no monthly fee, and 60 days interest-free on eligible purchases.
- Revolving Credit
- More coming soon
Revolving Credit
An ongoing account you draw on and repay as you go — the product Finley launches with.
More ways to pay
More ways to pay are coming — this space will fill in as each one launches.
The app always shows the full cost in dollars before you confirm a plan. Rates, fees and terms are set out in our terms & fees.
At the counter
No card to dig out.
When you're ready to pay, open the app and show your code at the counter — no separate card, no separate account to remember. The store confirms the sale and you choose how that purchase is paid.
Manage it from the app.
See what you owe, make a repayment, and change how a purchase is paid — all from your phone, not a paper statement.
Only where Finley is accepted.
Finley works at participating retailers. Checkwhere to use itbefore you shop.
Want the day-to-day questions answered?
Read the FAQ, including what's changing if you already use EasyCard in store.
Join the waiting list