FAQ

Homie offers an extended purchase limit for approved EZPAY customers to shop now, pay later

You must be over 18 and a New Zealand resident. You need to provide one primary or two secondary IDs, and a proof of bank account. Please note that EZPAY is currently only available for New Zealand customers

A Flexible Finance option that makes shopping with us easy

Simply complete our EZPAY application form online (link to form), submit it through online or visit your nearest homie store with a copy of your ID and proof of bank account. You can also call 0800728728 to request a home visit if possible (depending on the distance from the nearest store).

If your EZPAY application is approved you can shop after a successful direct debit payment.

You can use your EZPAY account at any homie store and the following websites.

https://www.redrat.co.nz
https://www.homie.co.nz

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You can either choose to return a product through a redrat store, or by sending the goods back to our warehouse. You can find the delivery address and "how to" on the Returns Policy page.

Yes, you can exchange orders in store - please ensure you take the items, including original tags and receipt with you to enable this to be smooth as possible.

If we send the wrong item or size as part of a delivery please let us know as soon as possible by emailing customercare@redratclothing.co.nz. We will change the item as soon as possible and arrange for the wrong item to be returned.

The Fair Trading Act applies to online selling when a seller is "in trade".

The Fair Trading Act’s definition of “trade” is broad. It defines trade as “any trade, industry, profession, occupation, activity of commerce or undertaking relating to the supply or acquisition of goods or services.”

Whether a person is in trade will depend on the specific circumstances of the seller and the offer. Many factors can be relevant to whether a person is in trade, including whether they: regularly or habitually offer to sell goods or services online make, buy or obtain goods with the intention of selling them are GST registered, have staff or assistants to help manage their sales, have incorporated a company or set up another type of trading vehicle.

Sellers cannot avoid their obligations under the Fair Trading or Consumer Guarantees Act by having someone else make offers or sell on their behalf. In these cases the principal seller will still be in trade, and the person selling on their behalf may also be liable. Anyone selling goods initially bought or acquired for their own personal use is not in trade. By this definition, Red Rat Clothing Ltd. is in trade and you can find out more about your coverage as our customer under the Fair Trading Act and the Consumer Guarantees Act.

Yes you can, you will need to register on the site and then email customercare@redratclothing.co.nz and request they link your EzPay account.

No, you can shop online and checkout as a guest.

Payment can be made online using a credit card/Visa debit card, with your EzPay account or by Laybuy (6 weekly payments).