24 MONTHS INTEREST FREE, WITH NO PAYMENTS FOR THE FIRST 12 MONTHS

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*Terms and conditions apply. See below

*No payments and no interest for 12 months (“Payment Holiday”) and no interest for a further 12 months (“Further Interest Free Period”) is available on Long Term Finance (LTF) for in-store purchases only. 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 of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees correct as at date of publication, 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. Available until 31st December 2024.

Payment Options

We make heat pump solutions easy. Get flexible interest-free payment terms from third-party financiers on EES heat pumps. Terms and conditions apply, see below for details. EES may receive a payment or rebate if you choose to use third-party financing.

Q Card
Q Card
Interest Free Options
Gem Card
GEM Visa
Interest Free Options
Q Cards

6 months

No payments & no interest

12 months

No payments & no interest

24 months

Interest free, with no payments for the first 12 months

34 months

No Interest (1000 Days)

48 months

Interest free, with no payments for the first 12 months

60 Months

Interest free, with no payments for the first 12 months
WHY A little extra breathing space for 6 months, at no extra cost Paws your payments, with nothing to pay for 12 months! 2 years interest free, with no payments for the first 12 months – get your home air-conditioned now, and take your time to pay it back 1000 days Interest Free Have a break from repayments for 12 months, and then a further 36 months with no interest! Enjoy your Air-conditioned home now and Pay no Interest for 60 months!
MINIMUM SPEND $200 $200 $500 $500 $500 $500
MAXIMUM SPEND Up to $50,000 (Lending Criteria applies) Up to $50,000 (Lending Criteria applies) Up to $50,000 (Lending Criteria applies) Up to $50,000 (Lending Criteria applies) Up to $50,000 (Lending Criteria applies) Up to $50,000 (Lending Criteria applies)
REPAYMENT AMOUNT No Interest or Payments for the first 6 months, then minimum payments of 3% of the monthly closing balance, or $10 (whichever is greater). There are no early repayment fees. No payments or interest for the first 12 months, then minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required. No payments or interest for the 12 months, then minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required. No interest for the first 34 months, minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout the interest free period. No payments or interest for the first 12 months, then minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required. No interest for the first 60 months, minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout the interest free period.
FEES No Advance Fee or Establishment Fees NEW CUSTOMERS: $55 establishment fee | EXISTING CUSTOMERS: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments) NEW CUSTOMERS: $55 establishment fee | EXISTING CUSTOMERS: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments) NEW CUSTOMERS: $55 establishment fee | EXISTING CUSTOMERS: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments) EW CUSTOMERS: $55 establishment fee | EXISTING CUSTOMERS: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments) NEW CUSTOMERS: $55 establishment fee | EXISTING CUSTOMERS: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments)
EES FINANCE SURCHARGE 0% 0% 4% 0% 9% 10%
APPLY / FIND OUT MORE qmastercard.co.nz farmersmastercard.co.nz flightcentremastercard.co.nz qmastercard.co.nz farmersmastercard.co.nz flightcentremastercard.co.nz qmastercard.co.nz farmersmastercard.co.nz flightcentremastercard.co.nz qmastercard.co.nz farmersmastercard.co.nz flightcentremastercard.co.nz qmastercard.co.nz farmersmastercard.co.nz flightcentremastercard.co.nz qmastercard.co.nz farmersmastercard.co.nz flightcentremastercard.co.nz
FULL TERMS & CONDITIONS *No payments and no interest for 6 months (“Payment Holiday”) 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. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees correct as at date of publication, 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. *No payments and no interest for 12 months (“Payment Holiday”) 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. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees correct as at date of publication, 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. Available until 31st December 2024. *No payments and no interest for 12 months (“Payment Holiday”) and no interest for a further 12 months (“Further Interest Free Period”) is available on Long Term Finance (LTF) for in-store purchases only. 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 of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees correct as at date of publication, 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. Available until 31st December 2024. *34 months interest free is available on Long Term Finance (LTF) for in-store purchases only. 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 of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees correct as at date of publication, 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. An EES Finance Surcharge applies. Available until 31st December 2024 *No payments and no interest for 12 months (“Payment Holiday”) and no interest for a further 36 months (“Further Interest Free Period”) is available on Long Term Finance (LTF) for in-store purchases only. 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 of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees correct as at date of publication, 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. An EES Finance Surcharge applies. Available until 31st December 2024. *60 months interest free is available on Long Term Finance (LTF) for in-store purchases only. 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 of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees correct as at date of publication, 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. An EES Finance Surcharge applies. Available until 31st December 2024.
Q Cards

6 months
No payments & no interest

WHY A little extra breathing space for 6 months, at no extra cost
MINIMUM SPEND $200
MAXIMUM SPEND Up to $50,000 (Lending Criteria applies)
REPAYMENT AMOUNT No Interest or Payments for the first 6 months, then minimum payments of 3% of the monthly closing balance, or $10 (whichever is greater). There are no early repayment fees.
FEES No Advance Fee or Establishment Fees
EES FINANCE SURCHARGE 0%
APPLY / FIND OUT MORE qmastercard.co.nz farmersmastercard.co.nz flightcentremastercard.co.nz
FULL TERMS & CONDITIONS *No payments and no interest for 6 months (“Payment Holiday”) 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. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees correct as at date of publication, 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.
Q Cards

12 months
No payments & no interest

WHY Paws your payments, with nothing to pay for 12 months!
MINIMUM SPEND $200
MAXIMUM SPEND Up to $50,000 (Lending Criteria applies)
REPAYMENT AMOUNT No payments or interest for the first 12 months, then minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required.
FEES NEW CUSTOMERS: $55 establishment fee | EXISTING CUSTOMERS: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments)
EES FINANCE SURCHARGE 0%
APPLY / FIND OUT MORE qmastercard.co.nz farmersmastercard.co.nz flightcentremastercard.co.nz
FULL TERMS & CONDITIONS *No payments and no interest for 12 months (“Payment Holiday”) 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. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees correct as at date of publication, 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. Available until 31st December 2024.
Q Cards

24 months
Interest free, with no payments for the first 12 months

WHY 2 years interest free, with no payments for the first 12 months – get your home air-conditioned now, and take your time to pay it back
MINIMUM SPEND $500
MAXIMUM SPEND Up to $50,000 (Lending Criteria applies)
REPAYMENT AMOUNT No payments or interest for the 12 months, then minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required.
FEES NEW CUSTOMERS: $55 establishment fee | EXISTING CUSTOMERS: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments)
EES FINANCE SURCHARGE 4%
APPLY / FIND OUT MORE qmastercard.co.nz farmersmastercard.co.nz flightcentremastercard.co.nz
FULL TERMS & CONDITIONS *No payments and no interest for 12 months (“Payment Holiday”) and no interest for a further 12 months (“Further Interest Free Period”) is available on Long Term Finance (LTF) for in-store purchases only. 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 of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees correct as at date of publication, 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. Available until 31st December 2024.
Q Cards

34 months
No Interest (1000 Days)

WHY 1000 days Interest Free
MINIMUM SPEND $500
MAXIMUM SPEND Up to $50,000 (Lending Criteria applies)
REPAYMENT AMOUNT No interest for the first 34 months, minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout the interest free period.
FEES NEW CUSTOMERS: $55 establishment fee | EXISTING CUSTOMERS: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments)
EES FINANCE SURCHARGE 0%
APPLY / FIND OUT MORE qmastercard.co.nz farmersmastercard.co.nz flightcentremastercard.co.nz
FULL TERMS & CONDITIONS *34 months interest free is available on Long Term Finance (LTF) for in-store purchases only. 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 of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees correct as at date of publication, 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. An EES Finance Surcharge applies. Available until 31st December 2024
Q Cards

48 months
Interest free, with no payments for the first 12 months

WHY Have a break from repayments for 12 months, and then a further 36 months with no interest!
MINIMUM SPEND $500
MAXIMUM SPEND Up to $50,000 (Lending Criteria applies)
REPAYMENT AMOUNT No payments or interest for the first 12 months, then minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required.
FEES EW CUSTOMERS: $55 establishment fee | EXISTING CUSTOMERS: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments)
EES FINANCE SURCHARGE 9%
APPLY / FIND OUT MORE qmastercard.co.nz farmersmastercard.co.nz flightcentremastercard.co.nz
FULL TERMS & CONDITIONS *No payments and no interest for 12 months (“Payment Holiday”) and no interest for a further 36 months (“Further Interest Free Period”) is available on Long Term Finance (LTF) for in-store purchases only. 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 of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees correct as at date of publication, 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. An EES Finance Surcharge applies. Available until 31st December 2024.
Q Cards

60 Months
Interest free, with no payments for the first 12 months

WHY Enjoy your Air-conditioned home now and Pay no Interest for 60 months!
MINIMUM SPEND $500
MAXIMUM SPEND Up to $50,000 (Lending Criteria applies)
REPAYMENT AMOUNT No interest for the first 60 months, minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout the interest free period.
FEES NEW CUSTOMERS: $55 establishment fee | EXISTING CUSTOMERS: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments)
EES FINANCE SURCHARGE 10%
APPLY / FIND OUT MORE qmastercard.co.nz farmersmastercard.co.nz flightcentremastercard.co.nz
FULL TERMS & CONDITIONS *60 months interest free is available on Long Term Finance (LTF) for in-store purchases only. 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 of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees correct as at date of publication, 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. An EES Finance Surcharge applies. Available until 31st December 2024.

6 months

Pay it on a 6 MONTH INTEREST-FREE PLAN*

12 months

Pay it on a 12 MONTH INTEREST-FREE PLAN*

24 months

Pay it on a 24 MONTH INTEREST-FREE PLAN*

36 months

Pay it on a 36 MONTH INTEREST-FREE PLAN*
WHY A little extra breathing space for 6 months Enjoy a whole year of home comfort Take it easy and pay it on a 24 month Interest Free Plan Small monthly payments, big home improvements
MINIMUM SPEND $250 $250 $500 $750
MAXIMUM SPEND N/A N/A N/A N/A
REPAYMENT AMOUNT Minimum repayments of 3% of the outstanding monthly balance, or $20 (whichever is more). There are no early repayment fees. Minimum repayments of 3% of the outstanding monthly balance, or $20 (whichever is more). There are no early repayment fees. Minimum repayments of 3% of the outstanding monthly balance, or $20 (whichever is more). There are no early repayment fees. Minimum repayments of 3% of the outstanding monthly balance, or $20 (whichever is more). There are no early repayment fees.
FEES Gem Visa $55 establishment fee and annual fees ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly)) apply. Gem Visa $55 establishment fee and annual fees ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly)) apply. Gem Visa $55 establishment fee and annual fees ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly)) apply. Gem Visa $55 establishment fee and annual fees ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly)) apply.
EES FINANCE SURCHARGE 0% 0% 0% 0%
APPLY / FIND OUT MORE gemfinance.co.nz/credit-cards/gem-visa-card/ gemfinance.co.nz/credit-cards/gem-visa-card/ gemfinance.co.nz/credit-cards/gem-visa-card/ gemfinance.co.nz/credit-cards/gem-visa-card/
FULL TERMS & CONDITIONS *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 interest free term ends. 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. Credit provided by Latitude Financial Services Ltd. *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 interest free term ends. 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. Credit provided by Latitude Financial Services Ltd. *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 interest free term ends. 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. Credit provided by Latitude Financial Services Ltd. *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 interest free term ends. 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. Credit provided by Latitude Financial Services Ltd.

6 months
Pay it on a 6 MONTH INTEREST-FREE PLAN*

WHY A little extra breathing space for 6 months
MINIMUM SPEND $250
MAXIMUM SPEND N/A
REPAYMENT AMOUNT Minimum repayments of 3% of the outstanding monthly balance, or $20 (whichever is more). There are no early repayment fees.
FEES Gem Visa $55 establishment fee and annual fees ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly)) apply.
EES FINANCE SURCHARGE 0%
APPLY / FIND OUT MORE gemfinance.co.nz/credit-cards/gem-visa-card/
FULL TERMS & CONDITIONS *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 interest free term ends. 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. Credit provided by Latitude Financial Services Ltd.

12 months
Pay it on a 12 MONTH INTEREST-FREE PLAN*

WHY Enjoy a whole year of home comfort
MINIMUM SPEND $250
MAXIMUM SPEND N/A
REPAYMENT AMOUNT Minimum repayments of 3% of the outstanding monthly balance, or $20 (whichever is more). There are no early repayment fees.
FEES Gem Visa $55 establishment fee and annual fees ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly)) apply.
EES FINANCE SURCHARGE 0%
APPLY / FIND OUT MORE gemfinance.co.nz/credit-cards/gem-visa-card/
FULL TERMS & CONDITIONS *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 interest free term ends. 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. Credit provided by Latitude Financial Services Ltd.

24 months
Pay it on a 24 MONTH INTEREST-FREE PLAN*

WHY Take it easy and pay it on a 24 month Interest Free Plan
MINIMUM SPEND $500
MAXIMUM SPEND N/A
REPAYMENT AMOUNT Minimum repayments of 3% of the outstanding monthly balance, or $20 (whichever is more). There are no early repayment fees.
FEES Gem Visa $55 establishment fee and annual fees ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly)) apply.
EES FINANCE SURCHARGE 0%
APPLY / FIND OUT MORE gemfinance.co.nz/credit-cards/gem-visa-card/
FULL TERMS & CONDITIONS *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 interest free term ends. 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. Credit provided by Latitude Financial Services Ltd.

36 months
Pay it on a 36 MONTH INTEREST-FREE PLAN*

WHY Small monthly payments, big home improvements
MINIMUM SPEND $750
MAXIMUM SPEND N/A
REPAYMENT AMOUNT Minimum repayments of 3% of the outstanding monthly balance, or $20 (whichever is more). There are no early repayment fees.
FEES Gem Visa $55 establishment fee and annual fees ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly)) apply.
EES FINANCE SURCHARGE 0%
APPLY / FIND OUT MORE gemfinance.co.nz/credit-cards/gem-visa-card/
FULL TERMS & CONDITIONS *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 interest free term ends. 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. Credit provided by Latitude Financial Services Ltd.