Apply for Gem Visa

* Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 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.

Apply for Q-MasterCard

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 28.95% 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 28.95% p.a.) applies to any outstanding balance at end of the interest free period.

4 equal fortnightly interest free payments

Apply for Afterpay

4 equal fortnightly interest free payments

Apply for Zip

Apply for Gem Visa

* Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 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.

Apply for Q-MasterCard

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 28.95% 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 28.95% 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.

Apply online for Purple Visa Card

Purple Visa Card, the credit card that gives you more rewards and flexibility.

Not only can you use your Purple Visa Card for everyday purchases and earn rewards everywhere* you shop, but you also have the option of Long Term Interest Free Finance.

Purple Visa Card holder benefits

• Use your card for everyday purchases and earn Purple Dollars on Eligible Visa Transactions.
• From earning rewards when you shop, to having the flexibility of long-term Interest Free finance for those larger purchases,* the Purple Visa Card has never been more flexible.
• If you already have a Purple Visa Card Account, visit your nearest Trade Depot store and ask about the latest long-term Interest Free deal.

Things to Know
*Long Term interest free finance with minimum purchase applies using Purple Visa Card. Purple Visa Card Terms and Conditions, credit criteria and Rates and Fees apply. Prevailing interest rate will apply to any outstanding balance at the expiry of the interest free period. Visit purplevisa.co.nz for more information. Purple Dollars cannot be earned or redeemed on long-term interest free purchases.

Rates and Fees

• $55 - a one off establishment fee
• $55 - annual fee
• 26.65% p.a. - Purchase interest rate
• 29.40% p.a. - Cash advance rate

Payment
Minimum monthly payments (3% of the outstanding balance or $20, whichever is the greater) and any charges eligible for deferred payment will not apply until expiry of any Deferred Payment Plan but must be made during the Interest Free Term. If you make only the minimum monthly payment, you may not pay off your purchase before the expiry of the Interest Free Term. So, if you can, always pay more than the minimum amount due. Visit purplevisa.co.nz for more information.

Apply online for pre-approval

* 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.