Interest Free Finance Options

We are currently offering two 12 months interest free finance programmes that can help you with creating the outdoor space you’ve always dreamed about! .

Q Card – Flexigroup (New Zealand) Limited. 

• 12 months interest free finance – minimum spend of $999 applies. (Lending criteria and Tc and Cs apply)
• You can either apply for a new Q Mastercard or use an existing one if you’ve already got it! Please familiarize with Tc and Cs here: https://www.qmastercard.co.nz/

Terms & Conditions:

Interest Free Flexi Payment Plans (without a Payment Holiday)

No interest for 12 months (“Payment Holiday”) is available until further notice. Minimum spend $999. Annual Account Fee of $50 applies. A $55 Establishment Fee for new Q Mastercard Cardholders and a $35 Advance Fee for existing Q Mastercard Cardholders will apply. 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. Q Mastercard Standard Interest Rate, currently 27.89% p.a. applies to any outstanding balance at end of a payment holiday or interest free period. Q Mastercard lending criteria, fees, terms and conditions apply. Rate and fees are correct as at date of publication, subject to change.

Gem Visa

• GEM Visa. Gem Visa T&Cs and fees apply.  Available to approved Gem Visa credit card customers only. Credit provided by Latitude Financial Services Ltd. Annual fee of $55 (27.50 half yearly installments). Interest rate of 27.99% per annum for both purchases and cash advances may apply.

Terms and conditions:

Interest Free

Minimum and maximum purchase amounts may apply. Minimum monthly repayments required. 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.

Prevailing interest rate (currently Gem Visa 27.99% p.a./ Gem CreditLine 29.95% p.a.) applies to any remaining balance on the expiry of the interest free period. Normal credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fee $55 Gem Visa (charged $27.50 half-yearly) / $55 Gem CreditLine (charged $27.50 half-yearly) apply. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.