Terms & Conditions

Finance offers available through Q Mastercard for 4 years (48 months) Interest Free throughout August 2022. Specific terms outlined below.

*Q Mastercard Terms and Conditions:

"4 years (48 months) Interest free offer "- 4 years (48 Months) interest free is available on Long Term Finance (LTF) purchases (until August 2026). Minimum spend $1000. Lending Criteria, $50 Annual Account fee, Fees, Ts&Cs apply. An Establishment fee of $55 (first LTF transaction) or a $35 Advance Fee (subsequent LTF transactions) applies. 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. Standard Interest Rate, from 26.99% p.a. applies to any outstanding balance at end of interest free period. Rate and fees correct as at date of publication, subject to change. Offer ends 31st August 2022.

https://www.qmastercard.co.nz -Columbus Financial Services Limited or Consumer Finance Limited (as applicable) reserve the right to amend, suspend or terminate the offer and these terms and conditions at any time without notice. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

* Gem Visa and Gem Creditline Terms and Conditions:

"24 months (2 years) Interest free offer " - 2 years (24 months) interest free with GEM Visa. Amount payable will be shown on your monthly statement. Minimum purchase of $1000. Credit and lending criteria and fees, including annual fees ($52 GEM Visa (charged $26 half yearly) / $55 GEM CreditLine (charged $27.50 half yearly)), apply. Prevailing interest rate (currently Gem Visa 26.99% 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. Available on particulating GEM Visa or GEM CreditLine credit cards only. New customer must apply and be approved for a GEM Visa credit card. Credit provided by Latitude Financial Services Limited. https://www.gemfinance.co.nz/. Offer ends 31st August 2022