What suits one person, won't suit the next: do you want interest free terms, convenient low weekly repayments, an extended loan period or the ability to pay it off early?
Have a read through the below and choose how you'd like to purchase with us. As always, if you have any questions give us a bell, we're here to help.
LONG TERM FINANCE PROVIDERS
Q MASTERCARD
36 MONTHS INTEREST FREE*
*36 months interest free is available on Long Term Finance (LTF) for in-store & online purchases only until 6 January 2025. Min Spend $200.
Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply.
$55 Establishment Fee applies to your first Long Term Finance (LTF) transaction, $35 Advance Fee applies to subsequent LTF transactions.
Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF interest free period. Other interest rates and fees may apply.
Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply.
$55 Establishment Fee applies to your first Long Term Finance (LTF) transaction, $35 Advance Fee applies to subsequent LTF transactions.
Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF interest free period. Other interest rates and fees may apply.
*36 months interest free is available on Long Term Finance (LTF) for in-store & online purchases only until 6 January 2025. Min Spend $200.
Lending criteria, $50 annual Account Fee, fees, Ts &Cs apply.
$55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions.
Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF interest free period. Other interest rates and fees may apply.
(See Ts & Cs for Q Mastercard Standard Interest Rate applicable to outstanding balance of a Standard Purchase.) Rates and fees correct as at date of publication, subject to change.
New customers need to apply and be approved for a Q Mastercard credit card.
Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts & Cs at any time without notice.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
GEM VISA
Available on participating Gem Visa or Gem CreditLine credit cards only. New Customers must apply and be approved for Gem Visa credit card.
Minimum spend $250. Exclusions may apply. Lending criteria, $65 annual account fee charged in two half yearly instalments of $32.50, fees, T&Cs apply.
An establishment fee of $55 will be applied to your first LTF transaction only.
Rate and fees correct as at date of publication, subject to change.
*Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($65 Gem Visa paid in two half yearly instalments of $32.50/$65 Gem CreditLine paid in two half yearly instalments of $32.50).
Prevailing interest rate (currently Gem Visa 29.49% p.a/Gem CreditLine 29.95% p.a) applies after any interest free term ends.
For cash advances, an interest rate of 29.95% p.a. and fees of $2 Gem Visa/$6 Gem CreditLine applies. Further information on rates and fees can be found at gemfinance.co.nz
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.
Amount payable will be shown on your monthly statement. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card. Credit provided by Latitude Financial Services Limited.
BUY NOW, PAY LATER
AFTERPAY
4 BI-weekly payments
Minimum Spend $35
Maximum Spend $2000
No fees or interest when you pay on time
Afterpay allows you to pay for your purchase over 4 instalments due every 2 weeks. In some cases, Afterpay may require you to make a payment at the time of purchase.
You must be over 18 years old and be the authorised holder of an eligible debit/credit card to apply.
All orders are subject to Afterpay's approval - for example, if you have any overdue payments, Afterpay will not be available to you. For more information on assessment and checks, see Afterpay's terms of service here: https://www.afterpay.com/en-NZ/terms-of-service
As part of the approval process, Afterpay may conduct a pre-authorisation on your nominated card, up to an amount of your first instalment.
You can make repayments to Afterpay any time before the due date. Otherwise, Afterpay will automatically process payments on the scheduled dates from your card. If a payment is not processed on or before the due date, late fees will apply - initial $10 late fee, and a further $7 if the payment remains unpaid 7 days after the due date.
For each order below $40, a maximum of one $10 late fee may be applied per order. For each order of $40 or above, the total of the late fees that may be applied are capped at 25% of the original order value or $68, whichever is less.
