12 Months No Payment and No Interes                                                                                                                                                                                                                                                                       

*No payments and no interest for 12 Months (“Payment Holiday”) 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 25.95% p.a applies to any outstanding balance at end of Payment Holiday. Q Card lending criteria, fees, terms and conditions apply. Rate and fees are subject to change. Offer ends 31 December 2020.


Minimum Purchase


Interest Rate

12 Months Payment Holiday & Interest Free


$50 Annual Fee

$55 Establishment Fee

$35 Advance Fee




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.





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. 


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

OWN IT NOW. No Interest. Ever!
When you shop with Oxipay you can spread the cost of your purchase over 4 easy payments^, instead of paying the whole lot upfront. You only pay the cost of your purchase. There is no interest and no added fees, as long as you pay on time*.

Select Oxipay as your payment method at checkout
You will be asked to join Oxipay or log in if you’re already a member.
Nominate your New Zealand MasterCard or Visa credit or debit card and Oxipay will schedule your 4 fortnightly payments.
Who can use Oxipay?

  • Live in New Zealand and be 18 years old or over
  • Have a valid and verifiable email address and a New Zealand mobile telephone number
  • Have a New Zealand MasterCard or Visa credit or debit card
  • Have a New Zealand residential and shipping address
  • Have a current New Zealand driver licence

Important to know

^ When you purchase with Oxipay, up to a maximum of $1,500, Oxipay pays the retailer and you pay in 4 instalments. The first instalment is due when you make a purchase, with 3 remaining instalments due every fortnight.

* A late fee of $10 is charged if Oxipay does not receive your payment by the due date. If you are past due by more than 7 days, your account may be passed to Oxipay’s Collections team where a $30 fee may be applied to your account.

For full terms and conditions or for more information please visit www.oxipay.co.nz