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Stop relying on Buy Now Pay Later

Feeling stuck and relying on Buy Now Pay Later just to get by? We help New Zealanders break the cycle with a personalised budget and practical solutions that put you back in control of your money.

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In an MBIE survey of 1,781 New Zealand Buy Now Pay Later users, 78% said they used BNPL because they couldn’t afford the full purchase price upfront.

Ministry of Business, Innovation and Employment (MBIE)

Escape the Buy Now Pay Later Trap

Buy Now Pay Later services like Afterpay, Zip, Klarna and humm can make it easier to buy something today and pay it off over time. But when repayments start overlapping, it can become difficult to keep up with multiple payment dates, automatic deductions and late fees. MyBudget helps New Zealanders create a realistic budget that works with their income, so they can reduce their reliance on Buy Now Pay Later and get back in control.

A budget that actually works

A budget that actually works

We'll create a personalised budget based on your income, bills and everyday expenses, making sure your Buy Now Pay Later repayments are factored in without relying on more credit.

Support when you need it

Support when you need it

If you're feeling overwhelmed or have fallen behind on repayments, we'll work with you to find a practical way forward. We can even speak with your Buy Now Pay Later providers on your behalf where appropriate.

Break the cycle

Break the cycle

We'll help you reduce your reliance on Buy Now Pay Later over time by building healthier money habits, staying on top of repayments and creating more breathing room in your budget.

Start Your Budget Today
MyBudget helping Megan and Creagh create a sustainable personal budget by budgeting for household expenses in New Zealand.

See the benefits

Everyone’s financial situation is different, but here’s what many MyBudget clients achieve with a personalised budget:

  • Take control of your household finances
  • Reduce your reliance on Buy Now Pay Later
  • Stay on top of your repayments and bills
  • Create more breathing room in your budget
  • Feel more confident about your financial future
Book Your Free Apppointment

Buy Now Pay Later FAQs

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See more FAQs…

  • We’ll create a personalised budget that includes your Buy Now Pay Later repayments, bills and everyday expenses. With a clear plan for your money, we’ll help you stay on top of repayments, reduce your reliance on credit and work towards becoming debt free.

  • Yes. If you’re struggling to keep up with repayments, we may be able to contact your Buy Now Pay Later providers to discuss more manageable payment arrangements, where appropriate.

  • Not at all. Many people have more than one Buy Now Pay Later account. We’ll review your repayments, help you understand what you owe and create a personalised budget so you can stay on top of your commitments with confidence.

  • Buy Now Pay Later can feel safer because it offers interest-free instalments, but it still comes with risks. With multiple repayment dates and automatic deductions, it can be easy to lose track of what you owe. Missed repayments may result in late fees and could affect your credit record, depending on the provider and circumstances. A personalised budget can help you stay on top of repayments and reduce your reliance on credit.

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  • MyBudget Reviews

    We’ve been using MyBudget for over 4 years now and this is our 3rd time back. The customer service team are polite and professional. We never feel alone and always supported. We are debt free and saving for a house deposit. If you feel the mountain is too high to climb alone, contact MyBudget. You won’t be disappointed!

    Dani | MyBudget client

  • MyBudget Reviews

    We have been with MyBudget for several years. We have paid off debts, created savings and purchased a home. We have also had numerous great holidays and a quality of life that wouldn’t have happened without the MyBudget forward planning budget.

    Ali | MyBudget client

  • MyBudget Reviews

    I went from being 3 months away from bankruptcy to becoming debt free and having savings put aside.

    Nate | MyBudget client

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