*Based on the average annual credit card interest rate of 19.4% according to RBNZ data. The figures for the BNPL services represent the maximum late fees that could be charged in an eight week period.
Citation formats
Maximum late fees on a BNPL purchase in New Zealand 2021, by company
Humm was the buy now, pay later (BNPL) service with the highest set value on maximum late fees in New Zealand in 2021. These figures represent the maximum late fees that BNPL users may have to pay for a 100 New Zealand dollar purchase in an eight-week period. Most BNPL companies have a maximum late fee for missed payments. At ** New Zealand dollars, Afterpay had lower maximum late fees than all the other BNPL companies included here.
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finder.com. (June 18, 2021). Maximum late fees on a 100 New Zealand dollars buy now, pay later (BNPL) purchase in New Zealand as of 2021, by company (in New Zealand dollars) [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved August 05, 2026, from /statistics/1328269/late-fees-on-a-bnpl-purchase-in-new-zealand-by-company/
finder.com. "Maximum late fees on a 100 New Zealand dollars buy now, pay later (BNPL) purchase in New Zealand as of 2021, by company (in New Zealand dollars)." Chart. June 18, 2021. ÌÇÐÄÆƽâ°æ. Accessed August 05, 2026. /statistics/1328269/late-fees-on-a-bnpl-purchase-in-new-zealand-by-company/
finder.com. (2021). Maximum late fees on a 100 New Zealand dollars buy now, pay later (BNPL) purchase in New Zealand as of 2021, by company (in New Zealand dollars). ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: August 05, 2026. /statistics/1328269/late-fees-on-a-bnpl-purchase-in-new-zealand-by-company/
finder.com. "Maximum Late Fees on a 100 New Zealand Dollars Buy Now, Pay Later (Bnpl) Purchase in New Zealand as of 2021, by Company (in New Zealand Dollars)." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 18 Jun 2021, /statistics/1328269/late-fees-on-a-bnpl-purchase-in-new-zealand-by-company/
finder.com, Maximum late fees on a 100 New Zealand dollars buy now, pay later (BNPL) purchase in New Zealand as of 2021, by company (in New Zealand dollars) ÌÇÐÄÆƽâ°æ, /statistics/1328269/late-fees-on-a-bnpl-purchase-in-new-zealand-by-company/ (last visited August 05, 2026)
Maximum late fees on a 100 New Zealand dollars buy now, pay later (BNPL) purchase in New Zealand as of 2021, by company (in New Zealand dollars) [Graph], finder.com, June 18, 2021. [Online]. Available: /statistics/1328269/late-fees-on-a-bnpl-purchase-in-new-zealand-by-company/
