Maximum BNPL late fees in New Zealand by firm

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 25 New Zealand dollars, Afterpay had lower maximum late fees than all the other BNPL companies included here.

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)

Characteristic	Late fee value in New Zealand dollars
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Release date

June 2021

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Region

New Zealand

Survey time period

2021

Special properties

Maximum late fees charged in an eight week period

Supplementary notes

*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.

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