Interest Free Finance Options

We are currently offering two 12-24 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. 

• 24 and 60 months* (only available per request) 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)

24 months interest free is available on Long Term Finance (LTF) for in-store purchases only until further notice. Min spend $999. Lending criteria, $50 annual Account Fee, fees, Ts&Csapply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Min 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 Expired Promotional Rate or Q Card Standard Interest Rate (both 28.50% p.a.) applies at the end of LTF Interest Free Period. (See Ts&Cs for Q Mastercard Standard Interest Rate applicable to outstanding balance of a Standard Purchase.) Rates and fees subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Csat any time without notice. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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 29.49% per annum (effective 07/02/2024) 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 29.49% p.a./ Gem CreditLine 29.49% p.a.) applies to any remaining balance on the expiry of the interest free period. Normal credit and lending criteria nd 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.