These businesses tend to work on a model of convenience and instant access to credit. The 'get it now and pay later' method they use can appeal to consumers who do not have easy access to transport or credit.

Pricing

The mobile trader business model is usually based on selling goods on credit at higher prices than offered by traditional retail stores.

It is important that you know how much the total price of your goods will be as well as the weekly price. For example a pair of shoes could be paid off over 6 months at $10 per week. This may not seem much but the end price could end up being $260 instead of $70 for the same shoes in a store.

Tips when buying from a mobile trader

  • If a salesperson knocks on your door or calls unexpectedly and you are unsure if you want to purchase something, you’re within your rights to tell them to leave. You can also be proactive and put a “Do Not Knock” notice on your front entrance or door so it’s clear you don’t wish to be visited by mobile traders or other door-to-door sales companies.
  • If you don't fully understand the offer, don't feel pressured, just say no.
  • Make sure you know what the goods are, when you will get them, the total amount you will pay, the end date for your payments and what will happen if you can't meet payments.
  • You will have a short period of time when you can cancel the sale agreement. The length of time depends on the type of agreement you have entered into. The seller should tell you about your right to cancel and give you details about how to cancel if you change your mind.
  • The seller should give you a clear description of the product for sale and a total price that you will have to pay.
  • Make sure you have the trader's contact details (email and phone number) in case you need to contact the trader to cancel the sale agreement or talk to them about your payments or delivery of goods.

Making a complaint

First try to resolve the issue with the business. If you still have an issue that you believe the Commerce Commission should be aware of you can make a complaint to us.