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New Zealand – Oxipay Oxipay lets you spread the cost of your purchases over 4 fortnightly payments – interest free forever. You can shop online or instore at any Oxipay retail partner. https://oxipay.co.nz Australia – humm Humm is the Buy Now Pay Later service that’s perfect for both the ‘Little things’ and ‘Big things’ in life. Customers can buy everything from $1 to $30,000 depending on where they shop. All purchases with humm are interest free forever. Humm is integrated at point of sale, instore and online. For ‘Little things’ you can be approved for up to $2,000. You can choose to pay weekly or fortnightly over 2.5 or 5 months. Each repayment frees your balance to spend again. For ‘Big things’ humm can pre-approve up to $10,000 or you can apply instore for up to $30,000 depending on the retailer. You can choose to repay in 6, 12, 24….all the way up to 60 months.