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 credit known as an Everyday Account, provided by our partner Lifestyle Money
• Payment Plan, provided by our partner Lifestyle Money


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  5. Can I return products  9. Shopping with our Sales Representatives
 2. How do I buy  6. Security 10. Expired vouchers
 3. Super flexible payment options  7. Customer Service
 4. Delivery  8. Models (the model I ordered is not available)

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 an Everyday Account (previously called a Lifestyle Account), all you need to do is click “Login” and enter your Everyday 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 and wish to set up an Everyday 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(s) 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 & Conditions.

  2. Everyday Account

Our most flexible finance option, an Everyday 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.

Everyday Accounts are provided by our partner Lifestyle Money and your application will be subject to their lending criteria, terms and conditions. Once you’re approved for an Everyday 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 an Everyday Account.

You can find more information on the Lifestyle Money website about the Everyday Account, including all terms and conditions.

  3. Payment Plan

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

Payment Plans are provided by our partner Lifestyle Money and your application will be subject to their lending criteria, terms and conditions. You’ll be taken through a quick and simple credit application process and once approved, you can shop for items including smartphones, TV, gaming consoles, furniture, household appliances, small appliances and outdoor equipment. 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 Payment Plan. Your account is also subject to a variable interest rate between 14.5% - 25.5% per annum. You can find more information on the Lifestyle Money website about Payment Plan including all terms and conditions.

Payment Plan is only available via Home Direct Sales Representative. Click here to make a booking.

For more information please refer to the Lifestyle Money Master Terms & 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?

For any enquiries regarding orders or products purchased through the Home Direct website, please contact our friendly customer services team on 0800 466 334 or email

For any enquiries relating to your Everyday Account or Payment Plan, please contact the team at Lifestyle Money on 0800 427 334 within NZ or +64 9 967 0802 outside NZ, Monday – Friday, 8am - 7pm, or email

8. 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.

9. 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 from Home Direct if you have a current Lifestyle Money Everyday Account.

If you are setting up a new Lifestyle Money Everyday Account or Payment Plan, you may be able to purchase from our Sales Representatives immediately subject to meeting the lending criteria set out by Lifestyle Money.

Am I charged for a Sales Representative coming to me?

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

10. 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