Q Card
12 Months No Payments, No Interest *
*No Payments and No Interest for 12 months (“Payment Holiday”) is available on Long Term Finance (LTF) in-store purchases $200 and over until further notice.
Exclusions may apply, see offer for details. Go in-store for more LTF options.
Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. At the end of the Interest-Free period, Q Mastercard Expired Promotional Rate or Q Card Standard Interest Rate of 27.99% p.a. applies.
$55 Establishment Fee applies to your first Long Term Finance (LTF) transaction, $35 Advance Fee applies to subsequent LTF transactions.
Standard Interest Rate applies to Standard Purchases after 3 months interest-free period ends (Q Mastercard 26.69% p.a. and Q Card 27.99% p.a.).
Rates and fees are subject to change.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Apply now:
https://www.qmastercard.co.nz/
Finance Now
12 Months Interest-Free with 36 Months to Pay
*Interest-Free up to 12 Months with a minimum purchase over $499, in-store only.
A Booking Fee of $55 and a $1.80 monthly service fee is applicable to all agreements (Payment Protection Insurance may apply).
From no deposit, however; if a deposit is required it is payable upon entering the agreement.
An Interest Rate of 19.75% applies to the outstanding balance at the expiry of any interest-free and/or deferred period.
Subject to Finance Now’s standard credit criteria.
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| Step 1: Initial Application Criteria Checklist | |
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| * | You must be a NZ Citizen / Permanent Resident and currently living in New Zealand |
| * | You must be older than 18 years of age |
| * | Proof of identity by means of a NZ drivers licence, passport or firearms licence |
Want to know how we assess applications? Read more here.
GEM
12 Months Interest-Free*
12 months interest-free*.
*Minimum purchase $250. Minimum monthly payments are required.
- Available on Gem Visa and Gem CreditLine credit cards only.
- New customers must apply and be approved for a Gem Visa credit card.
Normal credit and lending criteria and fees apply. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited. Ask in-store for further details, or check Gem Visa Website.
*Minimum purchase $250. Minimum monthly payments are required.
*Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($55 Gem Visa (charged $27.50 half yearly) / $55 Gem CreditLine (charged
$27.50 half yearly)).
The prevailing interest rate (currently Gem Visa 26.99% p.a./Gem CreditLine 29.95% p.a.) applies after any interest-free term ends.
Paying only the minimum monthly repayment of 3% of the outstanding monthly balance or $20 (whichever is more), will not be sufficient to repay the purchase amount(s) within the promotional period.
The amount payable will be shown on your monthly statement. Credit provided by Latitude Financial Services Limited.
18 Months Interest-Free*
*Minimum purchase $499. Minimum monthly payments are required.
- Available on Gem Visa and Gem CreditLine credit cards only.
- New customers must apply and be approved for a Gem Visa credit card.
*Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($55 Gem Visa (charged $27.50 half yearly) / $55 Gem CreditLine (charged
$27.50 half yearly)).
The prevailing interest rate (currently Gem Visa 26.99% p.a./Gem CreditLine 29.95% p.a.) applies after any interest-free term ends.
Paying only the minimum monthly repayment of 3% of the outstanding monthly balance or $20 (whichever is more), will not be sufficient to repay the purchase amount(s) within the promotional period.
The amount payable will be shown on your monthly statement. Credit provided by Latitude Financial Services Limited.