Apply for Gem Visa

* Available on a Gem Visa credit card. Minimum monthly payments required. Exclusions may apply. Lending criteria, T&Cs & fees apply incl. $55 estb. fee & $65 annual fee ($32.50 half-yearly). Standard interest rate (currently 29.49% p.a.) applies after interest free term ends. Paying only the minimum monthly repayment of 3% of the outstanding monthly balance or $20 (whichever is more) may not be sufficient to repay the purchase amount(s) during the interest free term. Further information on rates and fees can be found at gemfinance.co.nz. 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

Payment Holiday & Interest Free Payment Plans:
^†12 Months No Payments & No Interest (“Payment Holiday”) is available on Long Term Finance (LTF) for online purchases. Min Spend $500. 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. Standard Interest Rate currently 28.95% p.a. applies at the end of LTF Interest Free Period. Rates and fees correct as at date of publication, subject to change. Other interest rates and fees may apply. See qcard.co.nz for full details. Credit provided by Columbus Financial Services Limited. 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.

^‡ 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 online for NOW Rewards Visa

NOW Rewards Visa

Enjoy the flexibility of interest free shopping AND earn NOW Dollars on your everyday Visa spend*.

NOW Rewards Visa benefits

• Pay now and earn NOW Dollars on your everyday Visa spend*. Every time you spend $150 on Eligible Transactions you’ll earn 1 NOW Dollar.
  1 NOW Dollar = $1 NZ Dollar.
• Bring your big plans to life. Whether it’s that shiny new big‑screen TV or a few extra upgrades for your car, long‑term interest free* plans make it easy — spreading your costs over 6–60 months so you can enjoy more NOW.
• Spend your NOW Dollars or save them for something special. You can redeem them online or in store at Participating Retailers.

Things to Know
*NOW Rewards Visa terms and conditions, credit criteria, rates and fees (including a one-off $55 establishment fee and a $34 account fee charged 6-monthly) apply. Purchase interest rate of 26.65% p.a. applies to the outstanding balance after interest free term ends. Cash advance interest rate of 29.40% p.a. applies. Rates and fees are subject to change. NOW Dollars can be redeemed at Participating Retailers only. NOW Dollars cannot be earned or redeemed on long-term interest free purchases. Visit NOWvisa.co.nz for more information.

Rates and Fees (current as of 4. May 2026 and subject to change)

• $55 - a one off establishment fee
• $34 - account fee, charged 6-monthly
• 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 NOWvisa.co.nz for more information.

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.

**Pay no annual Account Fee for 2 years Terms & Conditions apply.

1. Promotional offer available for new approved customers only, from Q Mastercard applications submitted between 1 May 12:00am to

30 June 2026 11:59pm New Zealand local time (“Offer Period”). Applications received outside the Offer Period will be ineligible.

2. Eligible customers who have applied for a Q Mastercard account during the Offer Period, and have been approved and opened an account within 45 days of applying, will have the annual Account Fee ($50) waived for the first 2 years (“Offer”).

3. To be eligible to redeem the Offer, the promo code 2YEARSFREE must be entered into the promo field on the first page of the application.

4. A minimum card use applies being the use of the Q Mastercard credit card within each monthly statement period during the 2 year promotional period. Use is limited to standard purchases or Long Term Finance purchases and excludes cash advances, balance transfers, interest charges, gambling, crypto and quasi-cash transactions.

5. If the credit card is not used in any monthly statement period during the promotional period, the annual Account Fee will be charged and continued to be charged in accordance with the Q Mastercard terms and conditions.

6. After the second year, the $50 annual Account Fee applies.

7. Q Mastercard reserves the right to extend, amend, suspend, or terminate this offer and these terms and conditions at any time without notice.

8. Lending criteria, fees, Q Mastercard terms and conditions apply. $55 Establishment Fee applies to your first Long Term Finance (LTF)

transaction, $35 Advance Fee applies to subsequent LTF transactions. Standard Interest Rate of 28.95% p.a. applies at the end of the Interest Free Period. Rates and fees subject to change. See qcard.co.nz for full details.

9. If you have any queries, please visit qcard.co.nz contact page here.

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.

Apply online for pre-approval

* Finance Now's normal lending criteria and loan terms apply. Repayments shown are indicative only and include a $65 Establishment Fee and a $2.95 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.