Finance Options


Need to replace an appliance now? We've made it easier for you to budget for your home improvement purchases by offering several finance options. You can take advantage of most of these options when shopping online and in our stores.


Offers from our Finance Partners

HUMM Big October Promo - pay with Humm and get up to $300 chargeback

HUMM Big October Promo - pay with Humm and get up to $300 spend back.

24 Months Interest Free with Q Card

Big October with Q-Card. 24 Months Interest free. Available online and in-store.


Online Shopping Finance Options

Our online checkout accepts:

Gem Visa
  • 6 months interest free for purchases over $250*

Use Secure Credit Card Button at checkout

  • 24 months interest free for purchases over $500*

Use Gem Long Term Finance Button at checkout

Apply for Gem Visa
Q-Card
  • 3 months interest free deferred payments

Use Secure Credit Card Button at checkout

  • 24 months interest free for purchases over $199
  • 12 months interest free for purchases over $199
  • 6 months interest free deferred payments for purchases over $250

Use QCard Long Term Finance Button at checkout

Apply for Q-Card
Afterpay Logo 4 equal fortnightly interest free payments
Laybuy Logo 6 equal weekly interest free payments
Zip Logo  4 equal fortnightly interest free payments
Humm Logo  5 equal fortnightly interest free payments
Fingate Logo

Fingate finance - easy 4 step online application during checkout payment. Terms up to 48 months.

How to apply | Fingate Privacy Policy

Gem Finance Terms & Conditions

* Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa / $50 Gem CreditLine). 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 after any interest free term ends. Credit provided by Latitude Financial Services Limited.

Q-Card Finance Terms & Conditions

Interest Free Flexi Payment Plans
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 e.g. 12 months interest free.
Payment Holiday & Interest Free Flexi Payment Plans:
A period of time during which no payments are required to be made e.g. no payments & no interest for 6 months.
Customer Fees:
$50 Annual Account Fee applies, paid in 6 monthly installments ($25 applied on opening and every six months thereafter).
New Cardholder fee - $55 Establishment. 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.

To take advantage of the above payments, you'll need an approved Gem Visa, Q-Card, Laybuy, Afterpay or Zip account.

Applying is easy online. Please follow the links below:


In Store Finance Options

Our stores offer several short and long term finance options. These can also be arranged with our team over the phone.

Gem Visa
  • 24 months interest free for purchases over $500*
  • 12 months interest free for purchases over $250*
  • Any purchase over $250 is eligible for 6 months interest free terms*
  • 0% interest and zero payments for 9 months for purchases over $250*
Apply for Gem Visa
Q-Card
  • 24 months interest free for purchases over $199
  • 12 months interest free for purchases over $199
  • 6 months interest free deferred payments for purchases over $250
  • Any purchase is eligible for 3 months interest free deferred payments
Apply for Q-Card
Finance NOW
  • 6 - 48 months at 7.99% per annum for purchases over $1000
  • $50 set up fee
  • 2 forms of ID required
  • Applications may take 20-30 minutes to approve
Apply online for pre-approval
Afterpay Logo 4 equal fortnightly interest free payments Apply for Afterpay
Laybuy Logo 6 equal weekly interest free payments Apply for Laybuy
Zip Logo 4 equal fortnightly interest free payments Apply for Zip
Humm Logo 5 equal fortnightly interest free payments Apply for Humm

Gem Finance Terms & Conditions

* Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa / $50 Gem CreditLine). Prevailing interest rate (currently Gem Visa 25.99% p.a./Gem CreditLine 29.95% p.a.) applies after any interest free term ends. Credit provided by Latitude Financial Services Limited.
Interest Free:
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.
Interest Free Deferred:
9 months interest free with no repayments during the stated period. Minimum purchase $250. 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.

Q-Card Finance Terms & Conditions

Interest Free Flexi Payment Plans
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 e.g. 12 months interest free.
Payment Holiday & Interest Free Flexi Payment Plans:
A period of time during which no payments are required to be made e.g. no payments & no interest for 6 months.
Customer Fees:
$50 Annual Account Fee applies, paid in 6 monthly installments ($25 applied on opening and every six months thereafter).
New Cardholder fee - $55 Establishment. 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.

Contact us on 09 636 1111 to arrange your finance option.

Applying is easy online. Please follow the links below:


Please note that all of the above finance options are governed and are subject to approval by the respective providers. Please ensure that you are familiar with the terms and conditions of the finance option you wish to use. Standard credit lending criteria applies. Establishment and/or account fees and credit limits may also apply. Monthly payments may be required throughout interest free periods. Interest free finance options cannot be used in conjunction with other promotional offers such as bonus voucher with purchase or cashback promotions.

 

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