Finance Options
Trade Depot Finance Partners
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.
Online Shopping Finance Options
When you shop online, you will be able to make your purchase with one of the below finance options.
Gem Visa
| Standard Credit Card | Long Term Finance options |
| 6 months interest free for purchases over $250* | Use Gem Visa payment option
|
* Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($55 Gem Visa (charged $27.50 half yearly) / $55 Gem CreditLine (charged $27.50 half yearly)). Prevailing interest rate (currently Gem Visa 29.49% p.a./Gem CreditLine 29.95% p.a.) applies after any interest free term ends. 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. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. Further information on rates and fees can be found at gemfinance.co.nz. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card. Credit provided by Latitude Financial Services Limited.
** Equal payments (instalment) to be paid each month for the duration of the plan. Paying the instalment payment each month on time will pay off the balance within the interest free period.
Q MasterCard / Q Card
| Standard Credit Card | Long Term Finance options |
| 3 months interest free deferred payments‡ | 12 Months interest free for online purchases over $500 via standard Credit Card checkout option.† |
Interest Free Payment Plans
† 12 months interest free is available on Long Term Finance (LTF) for online purchases using the standard credit card payment options via Windcave. Min spend $500. The 12 month insterest free period is automatically applied to the transaction. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $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&Cs at any time without notice. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Payment Holiday & Interest Free Payment Plans:
‡ A period of time during which no payments are required to be made e.g. no payments & no interest for 3 months. Standard Interest Rate (currently 28.50% p.a.) applies to any outstanding balance at end of the interest free period.
Afterpay
4 equal fortnightly interest free payments
Laybuy
6 equal weekly interest free payments
Zip
4 equal fortnightly interest free payments
In-store Finance Options
We support all above buy now pay later options in our stores including the Afterpay and Laybuy card payments.
Additional in store finance options
Gem Visa
| Long Term Finance options |
| 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* |
* Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($55 Gem Visa (charged $27.50 half yearly) / $55 Gem CreditLine (charged $27.50 half yearly)). Prevailing interest rate (currently Gem Visa 29.49% p.a./Gem CreditLine 29.95% p.a.) applies after any interest free term ends. 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. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. Further information on rates and fees can be found at gemfinance.co.nz. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card. 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 MasterCard / Q Card
| Long Term Finance options |
| 36 months interest free for purchases over $999‡ - Limited time in-store only 24 months interest free for purchases over $200† 12 months interest free for purchases over $200† Any purchase is eligible for 3 months interest free deferred payments - see online options above. |
Interest Free Payment Plans
† 12/24 months interest free is available on Long Term Finance (LTF) for in-store purchases only. Min spend $200. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $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&Cs at any time without notice. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
‡ 36 months interest free is available on Long Term Finance (LTF) for in-store purchases only. Min spend $999. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $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&Cs at any time without notice. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Finance NOW
| Long Term Finance options |
| 6 - 48 months at 9.95% per annum for purchases over $1000 $50 set up fee Applications may take 20-30 minutes to be approved |
* Finance Now's normal lending criteria and loan terms apply. Repayments shown are indicative only and include a $50 Establishment Fee and a $1.80 Monthly Service Fee. Full disclosure of all of the terms of your loan (including the Total Amount Payable over the term of the loan) will be provided to you prior to finalisation of your loan. Payment Protection Insurance (PPI) is optional and has not been included in the payment amounts above.
Want to know how Finance Now assess applications? Read more here.
Lending Crowd
Personal Loans
The Lending Crowd provide personal loans* to Trade Depot customers for purchases between $2,000 and $20,000. You can get a 100% anonymous quote on your loan within 2 minutes by clicking on the Apply for Pre-approval button below. You will receive your personal Lending Crowd interest rate and fee schedule.
* Fixed interest rates range from 9.25% to 24.20% p.a. on 24, 36 and 60 month terms. A platform fee for establishing the loan of $250 applies. Click here to see the full rates and fees schedule.
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.
