An easier way to pay
Buying a mobile phone on interest free is a great way to make payments more manageable. Once you’re on a Pay Monthly mobile plan with us, just pick the phone you’d like, pay an upfront deposit ($99 for phones valued $149 and above), and then pick the term that suits you best (12, 24 or 36 months).
The rest of the phone amount will be spread out as a flat monthly cost which you pay on one bill with your Pay Monthly mobile plan each month.
There are no hidden or extra costs, just an easy way to manage paying for your new phone.
Even better? We've got great deals when you grab a phone on a 24 or 36 month term. Check them out below!
The rest of the phone amount will be spread out as a flat monthly cost which you pay on one bill with your Pay Monthly mobile plan each month.
There are no hidden or extra costs, just an easy way to manage paying for your new phone.
Even better? We've got great deals when you grab a phone on a 24 or 36 month term. Check them out below!
Amazing iPhone offers
Terms and Conditions
Apple Power Adapter and Apple Wired EarPods are not included, however are available for purchase separately.
iPhone 14 Pro/iPhone 14 Pro Max save $300 over your 24 or 36 month interest free term: Available until 2 July 2023 when you purchase iPhone 14 Pro/iPhone 14 Pro Max interest free on a monthly $80 One Plan™ with 24 or 36 month term, and $99 deposit. iPhone 14 Pro/iPhone 14 Pro Max save $200 over your 24 or 36 month interest free term: Available until 19 June 2023 when you purchase iPhone 14 Pro/iPhone 14 Pro Max interest free on a $60 or above Pay Monthly Plan, with a $99 deposit. Saving evenly spread over the agreed interest free term. Total monthly cost is phone repayment cost plus plan cost. Balance of phone cost must be repaid if you exit, transfer or trade down your plan before your interest free term expires, and any remaining discount will be lost. Eligibility criteria and terms apply, see interest free and mobile terms.
Trade-in: Trade-in iPhone 12 Pro 128GB or newer (excludes iPhone SE 3rd Gen) and get at least $743 credit towards a new iPhone 14 Pro or iPhone 14 Pro Max on interest free with a 24 or 36 month term. Eligible devices only. Available to complete in retail stores only. The value of your trade-in phone will be applied as an upfront deposit towards the new phone when signing up to an eligible Pay Monthly plan and is non-refundable and non-transferable. You can only trade-in one phone against a new phone on an interest free payment term. Trade-in value to be determined by phone and phone condition. Any additional interest free offers will be applied over the term of your interest free payment term. A minimum remaining interest free payment amount of $100 or higher is to be payable on the new phone. Eligibility at the discretion of One NZ.
iPhone 14 save $600 over your 24 or 36 month interest free term: Available until 2 July 2023 when you purchase iPhone 14 interest free on a monthly $80 One Plan™ with 24 or 36 month term, and $99 deposit. iPhone 14 save $400 over your 24 or 36 month interest free term: Available until 19 June 2023 when you purchase iPhone 14 interest free on a $60 or above Pay Monthly Plan, with a $99 deposit. Saving evenly spread over the agreed interest free term. Total monthly cost is phone repayment cost plus plan cost. Balance of phone cost must be repaid if you exit, transfer or trade down your plan before your interest free term expires, and any remaining discount will be lost. Eligibility criteria and terms apply, see interest free and mobile terms.
Trade-in: Trade-in iPhone 12 64GB or newer (excludes iPhone SE 3rd Gen) and get at least $575 credit towards a new iPhone 14 on interest free with a 24 or 36 month term. Eligible devices only. Available to complete in retail stores only. The value of your trade-in phone will be applied as an upfront deposit towards the new phone when signing up to an eligible Pay Monthly plan and is non-refundable and non-transferable. You can only trade-in one phone against a new phone on an interest free payment term. Trade-in value to be determined by phone and phone condition. Any additional interest free offers will be applied over the term of your interest free payment term. A minimum remaining interest free payment amount of $100 or higher is to be payable on the new phone. Eligibility at the discretion of One NZ.
Pay Monthly plans: Speeds reduced to a maximum of 1.2Mbps after Max Speed data allowance exceeded. Unlimited voice calls & TXT to standard NZ & Aus numbers (e.g. no short codes or MMS/PXT). Personal Mobile use only. Fair use applies. Mobile terms and Pay Monthly terms apply.
5G: 5G live in parts of select NZ cities. See coverage. For more info on 5G, see one.nz/5G
iPhone 14 Pro/iPhone 14 Pro Max save $300 over your 24 or 36 month interest free term: Available until 2 July 2023 when you purchase iPhone 14 Pro/iPhone 14 Pro Max interest free on a monthly $80 One Plan™ with 24 or 36 month term, and $99 deposit. iPhone 14 Pro/iPhone 14 Pro Max save $200 over your 24 or 36 month interest free term: Available until 19 June 2023 when you purchase iPhone 14 Pro/iPhone 14 Pro Max interest free on a $60 or above Pay Monthly Plan, with a $99 deposit. Saving evenly spread over the agreed interest free term. Total monthly cost is phone repayment cost plus plan cost. Balance of phone cost must be repaid if you exit, transfer or trade down your plan before your interest free term expires, and any remaining discount will be lost. Eligibility criteria and terms apply, see interest free and mobile terms.
Trade-in: Trade-in iPhone 12 Pro 128GB or newer (excludes iPhone SE 3rd Gen) and get at least $743 credit towards a new iPhone 14 Pro or iPhone 14 Pro Max on interest free with a 24 or 36 month term. Eligible devices only. Available to complete in retail stores only. The value of your trade-in phone will be applied as an upfront deposit towards the new phone when signing up to an eligible Pay Monthly plan and is non-refundable and non-transferable. You can only trade-in one phone against a new phone on an interest free payment term. Trade-in value to be determined by phone and phone condition. Any additional interest free offers will be applied over the term of your interest free payment term. A minimum remaining interest free payment amount of $100 or higher is to be payable on the new phone. Eligibility at the discretion of One NZ.
iPhone 14 save $600 over your 24 or 36 month interest free term: Available until 2 July 2023 when you purchase iPhone 14 interest free on a monthly $80 One Plan™ with 24 or 36 month term, and $99 deposit. iPhone 14 save $400 over your 24 or 36 month interest free term: Available until 19 June 2023 when you purchase iPhone 14 interest free on a $60 or above Pay Monthly Plan, with a $99 deposit. Saving evenly spread over the agreed interest free term. Total monthly cost is phone repayment cost plus plan cost. Balance of phone cost must be repaid if you exit, transfer or trade down your plan before your interest free term expires, and any remaining discount will be lost. Eligibility criteria and terms apply, see interest free and mobile terms.
Trade-in: Trade-in iPhone 12 64GB or newer (excludes iPhone SE 3rd Gen) and get at least $575 credit towards a new iPhone 14 on interest free with a 24 or 36 month term. Eligible devices only. Available to complete in retail stores only. The value of your trade-in phone will be applied as an upfront deposit towards the new phone when signing up to an eligible Pay Monthly plan and is non-refundable and non-transferable. You can only trade-in one phone against a new phone on an interest free payment term. Trade-in value to be determined by phone and phone condition. Any additional interest free offers will be applied over the term of your interest free payment term. A minimum remaining interest free payment amount of $100 or higher is to be payable on the new phone. Eligibility at the discretion of One NZ.
Pay Monthly plans: Speeds reduced to a maximum of 1.2Mbps after Max Speed data allowance exceeded. Unlimited voice calls & TXT to standard NZ & Aus numbers (e.g. no short codes or MMS/PXT). Personal Mobile use only. Fair use applies. Mobile terms and Pay Monthly terms apply.
5G: 5G live in parts of select NZ cities. See coverage. For more info on 5G, see one.nz/5G
Make your everyday epic with Samsung
Terms and Conditions
Power adapter and headphones sold separately. Stocks may be delayed at times.
Samsung Galaxy S23 Ultra save $602 over your 24 or 36 month interest free term: Available until 19 June 2023 when you purchase the Samsung Galaxy S23 Ultra interest free on a $60 or above Pay Monthly plan with 24 or 36 month term, and $99 deposit. Samsung Galaxy S23 Ultra save $150 over your 24 or 36 month interest free term: Available until 30 June 2023 when you purchase the Samsung Galaxy S23 Ultra interest free on a $45 Pay Monthly Plan, with a $99 deposit. Saving evenly spread over the agreed interest free term. Total monthly cost is phone repayment cost plus plan cost. Balance of phone cost must be repaid if you exit, transfer or trade down your plan before your interest free term expires, and any remaining discount will be lost. Eligibility criteria and terms apply, see interest free and mobile terms.
Samsung Galaxy S23 save $400 over your 24 or 36 month interest free term: Available until 19 June 2023 when you purchase the Samsung Galaxy S23 interest free on a $60 or above Pay Monthly plan with 24 or 36 month term, and $99 deposit. Samsung Galaxy S23 save $150 over your 24 or 36 month interest free term: Available until 30 June 2023 when you purchase the Samsung Galaxy S23 interest free on a $45 or above Pay Monthly plan with 24 or 36 month term, and $99 deposit. Saving evenly spread over the agreed interest free term. Total monthly cost is phone repayment cost plus plan cost. Balance of phone cost must be repaid if you exit, transfer or trade down your plan before your interest free term expires, and any remaining discount will be lost. Eligibility criteria and terms apply, see interest free and mobile terms.
Samsung Galaxy S23+ save $400 over your 24 or 36 month interest free term: Available until 19 June 2023 when you purchase the Samsung Galaxy S23+ interest free on a $60 or above Pay Monthly plan with 24 or 36 month term, and $99 deposit. Samsung Galaxy S23 save $150 over your 24 or 36 month interest free term: Available until 30 June 2023 when you purchase the Samsung Galaxy S23 interest free on a $45 or above Pay Monthly plan with 24 or 36 month term, and $99 deposit. Saving evenly spread over the agreed interest free term. Total monthly cost is phone repayment cost plus plan cost. Balance of phone cost must be repaid if you exit, transfer or trade down your plan before your interest free term expires, and any remaining discount will be lost. Eligibility criteria and terms apply, see interest free and mobile terms.
Samsung Galaxy S22 Ultra save $500 over your 24 or 36 month interest free term: Available until 19 June 2023 or while stocks last when you purchase the Samsung Galaxy S22 Ultra interest free on a $60 or above Pay Monthly plan with 24 or 36 month term, and $99 deposit. Samsung Galaxy S22 Ultra save $150 over your 24 or 36 month interest free term: Available until 30 June 2023 or while stocks last when you purchase the Samsung Galaxy S22 Ultra interest free on a $45 Pay Monthly plan with 24 or 36 month term, and $99 deposit. Saving evenly spread over the agreed interest free term. Total monthly cost is phone repayment cost plus plan cost. Balance of phone cost must be repaid if you exit, transfer or trade down your plan before your interest free term expires, and any remaining discount will be lost. Eligibility criteria and terms apply, see interest free and mobile terms.
Samsung Galaxy S22 save $400 over your 24 or 36 month interest free term: Available until 19 June 2023 when you purchase the Samsung Galaxy S22 interest free on a $60 or above Pay Monthly plan with 24 or 36 month term, and $99 deposit. Samsung Galaxy S22 save $300 over your 24 or 36 month interest free term: Available until 30 June 2023 when you purchase the Samsung Galaxy S22 interest free on a $45 Pay Monthly plan with 24 or 36 month term, and $99 deposit. Saving evenly spread over the agreed interest free term. Total monthly cost is phone repayment cost plus plan cost. Balance of phone cost must be repaid if you exit, transfer or trade down your plan before your interest free term expires, and any remaining discount will be lost. Eligibility criteria and terms apply, see interest free and mobile terms.
Samsung Galaxy Z Fold4 save $600 over your 24 or 36 month interest free term: Available until 19 June 2023 or while stocks last when you purchase the Samsung Galaxy Z Fold4 interest free on a $60 or above Pay Monthly plan with 24 or 36 month term, and $99 deposit. Samsung Galaxy Z Fold4 save $150 over your 24 or 36 month interest free term: Available until 30 June 2023 or while stocks last when you purchase the Samsung Galaxy Z Fold4 interest free on a $45 Pay Monthly plan with 24 or 36 month term, and $99 deposit. Saving evenly spread over the agreed interest free term Total monthly cost is phone repayment cost plus plan cost. Balance of phone cost must be repaid if you exit, transfer or trade down your plan before your interest free term expires, and any remaining discount will be lost. Eligibility criteria and terms apply, see interest free and mobile terms.
Samsung Galaxy Z Flip4 save $800 over your 24 or 36 month interest free term: Available until 19 June 2023 or while stocks last when you purchase the Samsung Galaxy Z Flip4 interest free on a $60 or above Pay Monthly plan with 24 or 36 month term, and $99 deposit. Samsung Galaxy Z Flip4 save $150 over your 24 or 36 month interest free term: Available until 30 June 2023 or while stocks last when you purchase the Samsung Galaxy Z Flip4 interest free on a $45 Pay Monthly plan with 24 or 36 month term, and $99 deposit. Saving evenly spread over the agreed interest free term Total monthly cost is phone repayment cost plus plan cost. Balance of phone cost must be repaid if you exit, transfer or trade down your plan before your interest free term expires, and any remaining discount will be lost. Eligibility criteria and terms apply, see interest free and mobile terms.
Samsung Galaxy S21 FE save $250 over your 24 or 36 month interest free term: Available until 19 June 2023 when you purchase the Samsung Galaxy S21 FE interest free on a $45 or above Pay Monthly plan with 24 or 36 month term, and $99 deposit. Saving evenly spread over the agreed interest free term. Total monthly cost is phone repayment cost plus plan cost. Balance of phone cost must be repaid if you exit, transfer or trade down your plan before your interest free term expires, and any remaining discount will be lost. Eligibility criteria and terms apply, see interest free and mobile terms.
Pay Monthly plans: Speeds reduced to a maximum of 1.2Mbps after Max Speed data allowance exceeded. Unlimited voice calls and TXT to standard NZ & Aus numbers (e.g. no short codes or MMS/PXT). Personal Mobile use only. Fair use applies. Mobile terms and Pay Monthly terms apply.
5G: 5G live in parts of select NZ cities. See coverage. For more info on 5G, see one.nz/5G
Samsung Galaxy S23 Ultra save $602 over your 24 or 36 month interest free term: Available until 19 June 2023 when you purchase the Samsung Galaxy S23 Ultra interest free on a $60 or above Pay Monthly plan with 24 or 36 month term, and $99 deposit. Samsung Galaxy S23 Ultra save $150 over your 24 or 36 month interest free term: Available until 30 June 2023 when you purchase the Samsung Galaxy S23 Ultra interest free on a $45 Pay Monthly Plan, with a $99 deposit. Saving evenly spread over the agreed interest free term. Total monthly cost is phone repayment cost plus plan cost. Balance of phone cost must be repaid if you exit, transfer or trade down your plan before your interest free term expires, and any remaining discount will be lost. Eligibility criteria and terms apply, see interest free and mobile terms.
Samsung Galaxy S23 save $400 over your 24 or 36 month interest free term: Available until 19 June 2023 when you purchase the Samsung Galaxy S23 interest free on a $60 or above Pay Monthly plan with 24 or 36 month term, and $99 deposit. Samsung Galaxy S23 save $150 over your 24 or 36 month interest free term: Available until 30 June 2023 when you purchase the Samsung Galaxy S23 interest free on a $45 or above Pay Monthly plan with 24 or 36 month term, and $99 deposit. Saving evenly spread over the agreed interest free term. Total monthly cost is phone repayment cost plus plan cost. Balance of phone cost must be repaid if you exit, transfer or trade down your plan before your interest free term expires, and any remaining discount will be lost. Eligibility criteria and terms apply, see interest free and mobile terms.
Samsung Galaxy S23+ save $400 over your 24 or 36 month interest free term: Available until 19 June 2023 when you purchase the Samsung Galaxy S23+ interest free on a $60 or above Pay Monthly plan with 24 or 36 month term, and $99 deposit. Samsung Galaxy S23 save $150 over your 24 or 36 month interest free term: Available until 30 June 2023 when you purchase the Samsung Galaxy S23 interest free on a $45 or above Pay Monthly plan with 24 or 36 month term, and $99 deposit. Saving evenly spread over the agreed interest free term. Total monthly cost is phone repayment cost plus plan cost. Balance of phone cost must be repaid if you exit, transfer or trade down your plan before your interest free term expires, and any remaining discount will be lost. Eligibility criteria and terms apply, see interest free and mobile terms.
Samsung Galaxy S22 Ultra save $500 over your 24 or 36 month interest free term: Available until 19 June 2023 or while stocks last when you purchase the Samsung Galaxy S22 Ultra interest free on a $60 or above Pay Monthly plan with 24 or 36 month term, and $99 deposit. Samsung Galaxy S22 Ultra save $150 over your 24 or 36 month interest free term: Available until 30 June 2023 or while stocks last when you purchase the Samsung Galaxy S22 Ultra interest free on a $45 Pay Monthly plan with 24 or 36 month term, and $99 deposit. Saving evenly spread over the agreed interest free term. Total monthly cost is phone repayment cost plus plan cost. Balance of phone cost must be repaid if you exit, transfer or trade down your plan before your interest free term expires, and any remaining discount will be lost. Eligibility criteria and terms apply, see interest free and mobile terms.
Samsung Galaxy S22 save $400 over your 24 or 36 month interest free term: Available until 19 June 2023 when you purchase the Samsung Galaxy S22 interest free on a $60 or above Pay Monthly plan with 24 or 36 month term, and $99 deposit. Samsung Galaxy S22 save $300 over your 24 or 36 month interest free term: Available until 30 June 2023 when you purchase the Samsung Galaxy S22 interest free on a $45 Pay Monthly plan with 24 or 36 month term, and $99 deposit. Saving evenly spread over the agreed interest free term. Total monthly cost is phone repayment cost plus plan cost. Balance of phone cost must be repaid if you exit, transfer or trade down your plan before your interest free term expires, and any remaining discount will be lost. Eligibility criteria and terms apply, see interest free and mobile terms.
Samsung Galaxy Z Fold4 save $600 over your 24 or 36 month interest free term: Available until 19 June 2023 or while stocks last when you purchase the Samsung Galaxy Z Fold4 interest free on a $60 or above Pay Monthly plan with 24 or 36 month term, and $99 deposit. Samsung Galaxy Z Fold4 save $150 over your 24 or 36 month interest free term: Available until 30 June 2023 or while stocks last when you purchase the Samsung Galaxy Z Fold4 interest free on a $45 Pay Monthly plan with 24 or 36 month term, and $99 deposit. Saving evenly spread over the agreed interest free term Total monthly cost is phone repayment cost plus plan cost. Balance of phone cost must be repaid if you exit, transfer or trade down your plan before your interest free term expires, and any remaining discount will be lost. Eligibility criteria and terms apply, see interest free and mobile terms.
Samsung Galaxy Z Flip4 save $800 over your 24 or 36 month interest free term: Available until 19 June 2023 or while stocks last when you purchase the Samsung Galaxy Z Flip4 interest free on a $60 or above Pay Monthly plan with 24 or 36 month term, and $99 deposit. Samsung Galaxy Z Flip4 save $150 over your 24 or 36 month interest free term: Available until 30 June 2023 or while stocks last when you purchase the Samsung Galaxy Z Flip4 interest free on a $45 Pay Monthly plan with 24 or 36 month term, and $99 deposit. Saving evenly spread over the agreed interest free term Total monthly cost is phone repayment cost plus plan cost. Balance of phone cost must be repaid if you exit, transfer or trade down your plan before your interest free term expires, and any remaining discount will be lost. Eligibility criteria and terms apply, see interest free and mobile terms.
Samsung Galaxy S21 FE save $250 over your 24 or 36 month interest free term: Available until 19 June 2023 when you purchase the Samsung Galaxy S21 FE interest free on a $45 or above Pay Monthly plan with 24 or 36 month term, and $99 deposit. Saving evenly spread over the agreed interest free term. Total monthly cost is phone repayment cost plus plan cost. Balance of phone cost must be repaid if you exit, transfer or trade down your plan before your interest free term expires, and any remaining discount will be lost. Eligibility criteria and terms apply, see interest free and mobile terms.
Pay Monthly plans: Speeds reduced to a maximum of 1.2Mbps after Max Speed data allowance exceeded. Unlimited voice calls and TXT to standard NZ & Aus numbers (e.g. no short codes or MMS/PXT). Personal Mobile use only. Fair use applies. Mobile terms and Pay Monthly terms apply.
5G: 5G live in parts of select NZ cities. See coverage. For more info on 5G, see one.nz/5G
See all our latest deals Call 0800 777 048 Visit a retail storeTrade in your old phone
Interest Free terms: Total monthly cost is phone cost, plus plan cost, plus an initial $49 or $99 deposit amount. Balance of phone cost must be repaid if you exit, transfer or trade down your plan before your Interest Free Term expires. Credit criteria and terms apply, see Interest Free terms and Mobile terms.
Available for selected mobile phones on eligible Open Term plans only. Terms and conditions apply.
Why choose One NZ online shop?
Frequently asked questions
What mobile plans are eligible to buy a mobile phone on interest free?
All of our in-market Pay Monthly plans are eligible to buy a mobile phone on interest free. For phone deals on interest free, there might be certain plans that are excluded which you can check with each specific deal.
What’s the difference in buying over 12, 24 or 36 month terms?
The longer the interest free term, the lower the monthly Interest Free Payment (IFP) cost. This may make a longer interest free term more affordable.
Do you have any other fees?
After paying the upfront deposit amount there are no more additional administration/annual fees, as long you continue to make your monthly payments on time. Standard late account payment fees would still apply if you miss a monthly payment. For more information, you can read our late payment fee policy here.
If you bought your mobile phone on the $1 a month promotion and you downtrade or transfer to an ineligible plan, you will incur a plan change fee.
If you bought your mobile phone on the $1 a month promotion and you downtrade or transfer to an ineligible plan, you will incur a plan change fee.
Which payment term is right for me?
It depends on what best suits your needs and budget. Some people like to pay off their phone as quickly as possible and opt for a 12 month term while others like to have lower monthly payments and choose a 36 month term.
For example, a mobile phone with an $799 RRP and $99 upfront deposit would have the following monthly costs:
For example, a mobile phone with an $799 RRP and $99 upfront deposit would have the following monthly costs:
| Interest free term | Monthly Interest Free Payment (IFP) |
| 12 months | $19.44 |
| 24 months | $29.17 |
| 48 months | $58.33 |
How do I pay for my new phone on interest free?
The monthly payment is added to your monthly mobile bill and can be viewed any time in your My One NZ app. To download the app, search My One NZ app in the Google Play store for Android or in the App store for iOS.
What happens if I cancel my mobile plan or want to end my Interest Free Payment (IFP) early?
In both scenarios, you’ll need to pay back the remaining balance of your mobile phone. The amount required to be paid back would exclude any interest free discount that you would have otherwise been entitled to if you remained for the full interest free term.
If you leave One NZ or move to One NZ Prepay, you will also have to pay any other remaining charges owing on your account.
If you leave One NZ or move to One NZ Prepay, you will also have to pay any other remaining charges owing on your account.