With our 100% online application, applying for an account has never been easier. All you need to complete an application is:
- Valid Identification - Drivers Licence or NZ Passport - Your bank account number - Contact Details: email address, address and phone numbers - 18 years or older - A New Zealand citizen or permanent resident living in New Zealand - Earning or receiving a regular income
If you have any questions about the application process, please call our call centre on 08005 08005 and we can help you through the application.
What if I’ve already paid my account off?
If you have previously had an account with us, then you will still be in our system even if it has been years since you have purchased anything. We can update your details and start your payments again over the phone so that you can purchase again straight away.
Typically, the weekly amounts are so small, most people choose to leave them in place to build up a credit to be able to purchase larger items such as TVs and Home Theatre systems.
What is my credit limit?
The more you spend and pay-off the higher your credit limit will become. Typically, we allow you to start with a smaller credit limit and work your way up so that you can afford larger items. As a responsible creditor, we prefer and encourage you to keep your account at a manageable amount. Our maximum credit limit of $1500 is offered to our Platinum customers.
Once submitting your application, we will be in contact as soon as possible or within two business days.
I’ve recently bought something from Vickers, do I need to apply again for another item I need?
No, you don’t need to apply again, once you have an account and your payments are up and running you can just order online or call our office on 08005 08005 to add more products onto your account.
Even if your account hasn’t been used in a few years, please just give us a call. Your affordability will be calculated again and is based on your payments and credit history.
When can I get the products if I am approved?
If you're a first-time customer, we require three successful direct debit payments before we send your item. Once your credit has been established, you can then purchase items without the waiting period.
Can I pay off early?
Yes, you can and good on you!
If you would like to pay off your account early, contact our call centre on 08005 08005 and we will increase your payments for you over the phone. You can pay off as much as you like whenever you like. There is no early repayment fee.
You can also make manual payments into our bank account as a lump sum. Please call 08005 08005 for our bank account number.
What finance does Vickers offer?
Shop Now Pay later Through Vickers you can purchase goods for your home on affordable weekly repayments, for more information or to apply, click here.
What if I have issues with my purchase?
Most products are covered by at least a 1-year warranty on manufacturing faults (excluding some toys, personal gift packs etc).
Please phone our team on 08005 08005 as soon as you have any issues with the items you have purchased. If the items are faulty, we will work with you to get them repaired/replaced.
Vouchers and special offers
Vouchers can be redeemed against any sale, but may be subject to some conditions and have an expiry date (three months). To redeem a voucher, you will need to provide the unique code that is provided. Vouchers cannot be redeemed for cash, are non-refundable and non-transferrable.
* Terms and conditions may apply.
Interest Rates, Fees, Hardship
Do you offer interest-free on your products?
Interest is only charged if you miss a payment, so if you don’t miss any payments then yes your account will be interest-free.
What happens if I miss a payment?
If you know you are going to miss a payment, contact us on 08005 08005 as soon as you can, ideally 48 hours before the payment is due. Our friendly staff can help arrange a solution. The worst thing you can do is ignore your account if it becomes overdue. You’ll only end up with unnecessary fees, see here for full fee's table.
What should I do if I can no longer afford a regular repayment or am being forced into unforeseen hardship?
Treating people fairly is important to us at Vickers. So, if your financial situation has changed and you’re having difficulty keeping up with your loan repayments, please talk to us as soon as possible. We’re always here to help, and there are lots of options available to help you through tough times, including:
- Lowering your regular payment commitments
- Giving you a payment holiday for a short amount of time
We know sometimes things do not go according to plan. So, if you need to talk to someone about an issue you are having with us. Please contact Steven the Manager on 08005 08005 or email [email protected]. We are here to help you.
Still not happy with the outcome you can contact our disputes resolution scheme: Financial Services Complaints Ltd, PO Box 5967, Wellington 6145: Ph 0800347 257, email: [email protected]or click this link www.fscl.org.nz.
We're here to help!
If we still haven't answered your queries, you can contact our friendly team