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Interest Free Finance

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Flooring is a great investment in any home but sometimes you you need a little help to get there. We have partnered with Gem Visa and Q Mastercard to bring to interest free deals so you can get your flooring today›.

GEM Visa

12 - 18 Months Interest Free Available

Gem Visa is a great choice for those who want a card that can give you access to interest free payments everywhere. Gem Visa works anywhere a normal visa debit card works and it has a generous 6 month repayment scheme for purchases over $250 with access to long term finance deals across New Zealand retailers.

  • Minimum 6 months, No interest, No payments on all purchases.
  • Minimum purchase of $250.
  • Access Long Term Finance deals in-store and online across NZ Retailers.
  • No interest and No payment deals available - please talk to our team for details.

Q Card Mastercard

12 - 18 Months Interest Free Available

Q Mastercard is your perfect shopping partner for purchases big or small, combining the benefits of a credit card with a range of interest-free deals and payment holidays. Q Master card is a great option for those who want  the benefits of a credit card and access to interest free repayment deals across New Zealand retailers.

  • Minimum of 3 months, No interest, No payments on all purchases.
  • No minimum purchase limit.
  • Access Long Term Finance deals in-store and online across NZ Retailers.
  • No interest and No payment deals available - please talk to our team for details.

Terms & Conditions

GEM Visa

*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 28.99% 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 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

Q Card Mastercard

Minimum spend $2000. 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. Standard Interest Rate of 28.50% p.a. applies to outstanding balance at the end of LTF Interest Free Period.  

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.