Shopping Made Simple

Home Direct is a nationwide retailer with tens of thousands of happy customers who shop with us every day. When you shop online with Home Direct, not only do you get to choose from an extensive range of products, you also get the choice of three flexible payment options:

• Credit/debit card
• Revolving line of credit (known as a Home Direct Lifestyle Account)
• Hire Purchase


Click here to view tips on using our website.



We Sell:

• Clothing
• Nursery products
• Manchester
• Audio visual equipment
• Games and gaming products
• Toys
• Furniture

• Personal care
• Health and beauty products
• Mobile phones
• Household appliances
• Whiteware
• Recreation and outdoor products


 FAQ Quick Links:    
 1. Who can buy  6. Security  11. Expired vouchers
 2. How do I buy  7. Customer Service  12. Experiencing Financial difficulties/hardship
 3. Super flexible payment options  8. Signing in, My account, forgotten passwords  13. Proof of address
 4. Delivery  9. Models (the model I ordered is not available)  14. Fees
 5. Can I return products 10. Shopping with our Sales Representatives  15. Is the advice that Home Direct gives me about a credit contract considered regulated financial advice?

1. Who Can Buy
Anyone can shop at Home Direct. We offer a large range of products to help you create the lifestyle you want. From smartphones to fridges, couches to clothing, watches to beauty products and much more. And best of all we offer flexible finance options to help you get the things you need now and pay them off overtime.

To purchase from Home Direct using our finance options, you must be over the age of 18 years. 

2. How Do I Buy
If you are a current Home Direct Customer, and have been set up with a Lifestyle Account, all you need to do is click “Login” and enter your Lifestyle Account number and password. After signing in, choose the products you wish to purchase by adding them to your cart, select your payment type, and follow the prompts to check out.

If you are new to Home Direct, the amount of information we request depends on the payment type you select – for example, we’ll need more details if you’re shopping for the first time with us using a Lifestyle Account compared to shopping online using your credit or debit card.

For information on how to shop online please click here.

3. Super Flexible Payment Options
There are three easy ways to shop online with Home Direct:

  1. Credit Card or Debit Card


Simply choose the product or products you want by adding them to your shopping cart. Then select credit/debit card as your payment type and fill in a few basic details to complete the sale.

For more information please refer to our master terms and conditions.

  2. Home Direct Lifestyle Account

Our most flexible finance option, a Home Direct Lifestyle Account helps you live life to the fullest. It's the affordable way to get the things you need now and pay them off over time. It's the account you control and is there when you need it - a great way to shop for everyday items like clothing, shoes and games.

Once you’re approved for a Home Direct Lifestyle Account following a quick and easy application process supported by our friendly team, you can shop to the limit of your credit. You make small affordable weekly or fortnightly payments, but also have the ability to make additional payments on your account as often as you like. This arrangement is called a revolving line of credit.

The amount you pay and the length of time you have been keeping up payments determine how much you can purchase each time you shop.  

There is a $6 monthly account management fee, and your account is subject to a variable interest rate between 14.5% - 25.5% per annum.

All products featured on this website are available to purchase using a Lifestyle Account.

Click here for information on how to apply for a Lifestyle Account.

For more information please refer to our master terms and conditions.

  3. Hire Purchase

Create a healthy home for you and your family using Hire Purchase. Have peace of mind when buying those larger items like fridges, washing machines and furniture because you can make smaller weekly payments spread over a longer period of time.

Our friendly team will help you through a quick and simple credit application process. Once approved you can shop for items within our whiteware, furniture, technology and outdoor categories. A minimum value of $500 applies to all Hire Purchase contracts. You can choose a term of up to 60 months for the payment of your goods (except mobile phones, which have a maximum term of 36 months), allowing you to make smaller, more affordable weekly payments.

There is a $40 establishment fee but no monthly account fees for Hire Purchase. Your account is also subject to a variable interest rate between 14.5% - 25.5% per annum.

Hire Purchase is only available via Home Direct Sales Representative. Click here to make a booking.

For more information please refer to our master terms and conditions.

4. Delivery
Home Direct can deliver to all online shoppers anywhere in the North or South Island, excluding caravan parks and PO Box numbers. We cannot deliver to Stewart Island, Great Barrier Island, or the Chatham Islands.

How much will I be charged for delivery?

The delivery cost for your order depends on the type of product you are purchasing (in particular, the size and weight of a product).

Standard delivery: $5 standard delivery fee applies to all small to medium sized items across New Zealand.
Large items: oversized items such as (but not limited to) whiteware, bikes, furniture, large electronics etc - will be charged according to cubic metre measurement of the item and where you want it delivered.  This cost will be applied to each large item you order.

The delivery cost for your order is displayed on the Freight Cost line of your shopping cart.

When will I receive my order?

For your security and protection against fraud, we will only deliver goods to your confirmed address. As a basic rule of thumb, for all products under 35 kg you can expect delivery overnight in Auckland, within 2-3 days outside Auckland, and within 5 days in rural areas.

Delivery times for larger items will generally not exceed 10 days, but can be confirmed by contacting us at or calling 0800 466 334.

5. Can I Return Products
If you are sent the wrong product or your product is faulty, simply contact our customer services team on 0800 446 334, or email, or click here to use our Contact Us form,  and we will arrange for your product to be exchanged or replaced.

If you purchase an item of clothing that is the wrong size, we do accept returns. However, a return freight fee of $4.95 will be charged.

My product has been damaged during delivery, what can I do?

If goods are damaged in transit, we will arrange for them to be fixed or replaced. Simply contact us on 0800 446 334 or email and we’ll take care of it for you. 

6. Security
Is it safe to shop online?

We want you to have a safe and secure shopping experience online, and when you shop online with Home Direct you’re protected with a secure RapidSSL from Arvixe.

What should I do to keep secure?

Log out each time you finish using the site, particularly on a public or shared computer. Just click the ‘Log out’ button located at the top of every page.

7. Customer Service
I need more help, how can I contact Customer Services?

You can contact our friendly customer services team by phoning 0800 466 334 or emailing They’ll be more than happy to assist you.

8. My Lifestyle Account: Signing In, My Account, Forgotten Passwords
I have forgotten my password, what can I do?

Simply click ‘Sign in’, then “’Forgotten password’. Then answer as many security questions as you can, and we will find your account and allow you to reset your password online. Alternatively you can call us on 0800 466 334 or email us at

I tried logging in using my email address, why didn’t it work?

If your email address did not work as your username, that means we do not have your email address linked to your Home Direct Lifestyle Account. Therefore, you can either log in using your Customer Number or call us on 0800 466 334 and we will load your email address to your account.

What if I change my address or phone number?

It’s easy to update changes to your phone number or email address. Simply sign in using your email address or account number and password. Then select ‘My Lifestyle Account’, then ‘Update Account Details’. Update your details and press submit. Alternatively you can call us on 0800 466 334 or email us at

If you have a Lifestyle Account with Home Direct, you’re required to update your details online or advise us in writing within 7 days of any change of address or telephone number. If you have a Hire Purchase with Home Direct, please call us on 0800 466 334 for any enquiries about your account.

9. Models
What if the model I ordered is not available?

We only promote online products that are in stock or that are available directly from suppliers. 

Sometimes where there is a time delay between order and delivery, the exact model that you have ordered may no longer be available for sale. In this instance, we will do our best to provide you with a replacement model with comparable or better features at no extra cost. We will contact you to discuss the provision of the alternative product, and if you do not wish to receive it we will refund the purchase price you have paid.

10. Shopping with our Sales Representatives
Do I have to shop online, or am I able to purchase from the Home Direct Sales Representatives?

Shopping online is not your only option for purchasing, you can also shop over the phone or one of our Sales Representatives can come to you - simply contact us and we’ll arrange an appointment.

We have Sales Representatives covering in Auckland, Gisborne, Whangarei, Kaitaia, Hamilton, Napier, New Plymouth, Palmerston North, Wanganui, Rotorua, Taupo, Wellington, Masterton, Nelson, Blenheim, Christchurch, Ashburton, Timaru, Oamaru Dunedin, Balclutha, Gore and Invercargill.  

Can I purchase from Home Direct Sales Representatives immediately?

Products can be purchased if you are a current Home Direct Customer with an established Home Direct Lifestyle Account.

If you are setting up a new Home Direct Lifestyle Account or Hire Purchase, you may be able to purchase from our Sales Representatives immediately subject to meeting Home Direct's lending criteria.

Am I charged for a Sales Representative coming to me?

No, our Sales Representative visits are provided as a free service. 

11. Expired Vouchers
If you have a Home Direct voucher which expired on or after 17 March 2015, you may be eligible for a refund. To find out, please call us on ph: 0800 427 334

12. Experiencing Financial difficulties

If you are in financial difficulty and believe you will not be able to meet your obligations to Home Direct, you should contact Home Direct immediately on 0800 466 334.  From there we will guide you through our process.

Budgeting Services:

MoneyTalks - a free helpline available to provide free financial and budgeting advice to individuals, family and whanau. The MoneyTalks helpline is available Monday to Friday 8am to 8pm and Saturday 10am to 2pm.  

Phone - 0800 345 123
Email - 
Website -

Christians against poverty (CAP) - Is debt causing you to feel anxiety or fear? Don’t worry any longer! CAP provides free, friendly long-term debt counselling to help you successfully get out of unmanageable debt.

Phone - 0508 227 111
Email –
Website -

13. Proof of address

*POA needs to be no older than 12 months

 The following are acceptable forms of proof of address:

  • Court document
  • Government or government department document
  • Local council notification/demand
  • IRD tax notice/certificate
  • Electoral roll papers
  • Insurance policy document
  • Car registration notification/demand
  • Non-bank financial institution document
  • Education institution; letter from an educational facility with letterhead
  • Payslip (no older than a month)
  • Letter from medical practitioner
  • Tenancy Agreement of current residence

14. Fees

   Lifestyle Account  Hire Purchase
 Monthly account fee  $6  -
 Establishment fee  -  $40
 Missed payment fee  $15  $15
 Field visit (payments in arrears)  $65  $65

15. Is the advice that Home Direct gives me about a credit contract considered regulated financial advice?


No - You are protected by responsible lending laws. Because of these protections, the recommendations given to you about Home Direct Credit accounts are not regulated financial advice.

This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.