Q CARD
Qcard  

                                                                                                                                                                                                                                                                  

*No payments and no interest for 6, 12 Months (“Payment Holiday”) and 18 / 24 Months interest free is available on Q Card Flexi Payment Plans for instore purchase until 31st of December. Minimum purchase of $200. Annual Account Fee of $50 applies. New Cardholder fee - $55 Establishment ($3 PPSR – Q Card only). Existing Cardholder fee - $35 Advance. Standard Interest Rate, currently 25.99% p.a. or 22.95% p.a. (depending on your card) applies to any outstanding balance at end of a payment holiday or interest free period. Lending criteria, fees, terms and conditions apply. Rate and fees are correct as at date of publication, subject to change.

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

Plan

Minimum Purchase

Fee

Interest Rate

6 Months No Payments and No Interest*

12 Months No Payments and No Interest*

18 Months No Interest*

24 Months No Interest*

$200

$50 Annual Fee

$55 Establishment Fee

$35 Advance Fee

25.99%

 

 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

   

12 Months Interest Free*

*Minimum purchase $250. Minimum monthly payments required. *Normal credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa / $50 Gem CreditLine), apply. 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 25.99% p.a./ Gem CreditLine 29.95% p.a.) applies to any remaining balance on the expiry of the interest free period. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.

 

15 Months Interest Free*

*Minimum purchase $250. Minimum monthly payments required. *Normal credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa / $50 Gem CreditLine), apply. 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 25.99% p.a./ Gem CreditLine 29.95% p.a.) applies to any remaining balance on the expiry of the interest free period. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.

 

18 Months Interest Free*

*Minimum purchase $400. Minimum monthly payments required. *Normal credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa / $50 Gem CreditLine), apply. 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 25.99% p.a./ Gem CreditLine 29.95% p.a.) applies to any remaining balance on the expiry of the interest free period. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.

 

Pay no interest and no payment for 10 months*

*Minimum purchase $250. No monthly payments required during the stated period. *10 months interest free with no repayments during the stated period. Normal credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa / $50 Gem CreditLine), apply. Minimum purchase $100. Payment for your purchase will be deferred for the stated period. During this period, no interest will accrue and no monthly payments need to be made. If you do not pay the outstanding balance in full before the end of the deferred payment period, the amount payable will accrue interest and will be included in your monthly statement. Prevailing interest rate (currently Gem Visa 25.99% p.a./ Gem CreditLine 29.95% p.a.) applies to any outstanding balance on the expiry of the interest free period. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.

 

Application Opens Here:  

https://www.gemfinance.co.nz/credit-cards/gem-visa-card/ 


Get it now. Pay it in 6. Interest Free. Easy payments.
Laybuy lets you receive your purchase now and spread the total cost over 6 weekly automatic payments. Interest free.

Simply proceed to checkout as normal and select Laybuy as your payment method.
Log in or sign up and complete your order in seconds.
Choose your payment day, view your schedule and select pay now.
You’re done! your items are on their way. Payments will be taken each week automatically.
What do you need?

  • A credit or debit card
  • To be over 18 years of age
  • To be living in New Zealand

Important to know

If you fail to make payment, you may be charged a late payment fee of $10. Sign up in seconds at the checkout or on the Laybuy website where you can also view full T&C’s www.laybuy.com