Finance

Q Card

12 Months No Payments and No Interest*

*No payments and no interest for 12 months (“Payment Holiday”) is available on Flexi Payment Plans for in-store purchases only. Minimum spend $200 Annual Account Fee of $50 applies. New Cardholder fees - $55 Establishment. Existing Cardholder fee - $35 Advance. Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of Payment Holiday. Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change.

 

24 Months No Payments and No Interest*

*24 months interest free is available on Flexi Payment Plans. Minimum spend $499. Annual Account Fee of $50 applies. New Cardholder fees - $55 Establishment. Existing Cardholder fee - $35 Advance. Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Standard Interest Rate, currently 25.99% p.a applies to any outstanding balance at end of interest free period. Offer expires 31st March 2020 Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change. Offer expires 31st March 2020.

 

Application Opens Here: https://www.qmastercard.co.nz/apply/apply-online/


 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 deposit is required it is payable upon entering agreement. Interest Rate of 19.75% applies on the outstanding balance at expiry of any interest free and/or deferred period.

Subject to Finance Now’s standard credit criteria.

 

GEM

 

9 Months Deferred

*9 Months Deferred Interest Free available on purchases $100 and over. From no deposit. Minimum spend $100. Normal lending conditions, credit criteria and fees apply. On expiry of the interest free deferred period, the prevailing interest rate (currently 25.99% p.a. Gem Visa/29.95% p.a. Gem CreditLine) will apply to any outstanding balance. Credit provided by Latitude Financial Services Limited. 

 

12 Months Interest Free

Minimum spend $250 using Gem Visa or Gem CreditLine. Normal credit and lending criteria and fees apply. Minimum monthly repayments must be made during the interest free period. 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. Prevailing interest rate (currently 25.99% p.a. Gem Visa/29.95% p.a. Gem CreditLine) applies to any outstanding balance on the expiry of the interest free period. Credit provided by Latitude Financial Services Limited.