As the warmer social months roll in, you might have a few things on your wish list!
In need of a new couch, a bigger TV, the latest phone, or you just want to get a head start on the Christmas shopping? Well lucky for you, Black Friday (Friday 27 November) and Cyber Monday (Monday 30 November) are just around the corner, so here's everything you need to know about making the most of the sales, wherever you like to shop.
Black Friday and Cyber Monday 2026: At a glance
Black Friday is Friday 27 November 2026, and Cyber Monday is Monday 30 November. Many sales run across the whole weekend.
Shop around before you buy. Compare prices, stores and after-sales support.
You can borrow for just about anything, as long as the repayments fit your budget, and spend it at whichever store has the deal you're after.
Factor in the total cost, including interest and fees, so you know what you're paying overall.
Prefer to shop in one place? MyHome has furniture, appliances and the latest tech, which you can pay off in weekly instalments through Instant Finance.
If you haven’t heard of these shopping days, you've been missing out! While they originated over in America as shopping holidays after Thanksgiving, they also mark the beginning of the Christmas shopping season and the rest of the world has quickly jumped onto the craze!
On Black Friday you can expect to get some of the best deals of the year both online and in stores, but careful shopping is still advised.
Cyber Monday is an online-only shopping day that's quickly growing in popularity too. Generally, these sales offer you a great opportunity to update your homeware, furniture and appliances while making a start on your Christmas present shopping.
Many stores and online retailers will be offering Black Friday and Cyber Monday deals, so make sure you shop around at your local retailers to find the best deals out. But remember the price is only part of the deal; don't forget about service, supply and after-sales support. Get this wrong and what seemed like the best deal in town can quickly become the worst.
A few tips to help you get a genuinely good deal:
Set your budget first. Decide what you want to spend before the sales start, so the deals work for you.
Check the price history. A price comparison site can show whether a sale price is really lower than usual.
Compare a few stores. The same item can be on sale for different prices in different places.
Check returns and warranties. Sale items still come with your rights under the Consumer Guarantees Act, but change-of-mind returns are up to each store.
Stick to your list. Knowing what you're after makes it easier to grab the deals you actually want.
There's more than one way to pay, and the right one depends on what you're buying and how you'd like to pay for it:
Savings or cash: no interest or fees to think about.
Buy now pay later: handy for smaller buys you can pay off over a few weeks, interest-free if you pay on time. Most people do: Centrix data reported by RNZ found 97% of New Zealand BNPL transactions over Black Friday and Cyber Monday were paid off on or before their due dates.
Credit card: works well if you can clear the balance before interest kicks in.
Personal loan: good for bigger purchases you'd rather spread out, with a fixed rate and regular repayments, so you know exactly what you're paying and when.
For a side-by-side look, have a read of our personal loans vs buy now pay later guide.
You sure can! You can apply for a loan for just about anything, including Christmas presents for that matter, as long as the repayments fit your budget. Simply apply online or come into any branch, as usual.
Once your loan's paid out, the money's yours to spend wherever the best deal is: any store, online or in person. If you're planning ahead for the sales, it's worth applying in advance. Once you're approved, the money is in your account within 24 hours.
Interest rates range from 9.95% to 29.95% p.a., depending on your circumstances.
Before you apply, have a play with our loan calculator to see what your repayments could look like, and our affordability tips can help you work out what's comfortable.
After a smaller amount? Our cash loans page explains how those work.
Planning for the whole festive season? Our guide to Christmas loans covers top-ups and new loans.
We've also got MyHome on the team, so when you shop with them directly not only can you get great deals on the latest tech, from phones to laptops, plus homeware and entertainment, but you can get your hands on these products now and pay them off in weekly instalments that suit you!
If the thought of spending a lot on Black Friday or Cyber Monday stresses you out, you can easily finance these products with us to avoid having to spend a large amount all at once.
Well, the best bit is that you can get access to all the products, presents or updates for your home straight away, without having to save up! Plus, the weekly repayments are tailored to you through our team, so they fit around your budget.
Just remember to factor the interest and fees into the total cost, so you know what you're paying for the deal overall. And rest assured, we won't let you get in over your head as one of New Zealand's oldest Responsible Lenders serving customers since 1971!
Black Friday is on Friday 27 November 2026, and Cyber Monday is on Monday 30 November. It isn't really a one-day sale any more: many retailers run their deals across the whole weekend, and some start earlier in the week.
Black Friday started in the US as the big in-store sale day after Thanksgiving, and Cyber Monday followed as the online version on the Monday after. In New Zealand, most retailers now run both online and in store, often as one long sale weekend from Friday to Monday.
Black Friday to Cyber Monday is now New Zealand's biggest online shopping event of the year. According to NZ Post, Kiwis spent $248.3 million online over the four days in 2025, up 10% on the year before. Boxing Day is still a big sale day, especially in store, and Singles' Day on 11 November is the fastest-growing.
Yes. You can take out a personal loan, buy your TV from whichever store has the best deal, and pay it off with weekly, fortnightly or monthly repayments.
You can also shop with MyHome and pay it off in weekly instalments through Instant Finance, or use buy now pay later for smaller purchases. The same goes for furniture, appliances and other tech.
A less-than-perfect credit history doesn't automatically rule you out.
We look at your whole situation, including what you can comfortably afford to repay now, not just your credit score. Every application is assessed on its own merits.
