Currently we offer finance on any single product purchase* or combined product purchases over the value of $250.

*Currently 12 months interest free applies to purchases $250 to $500.

*For a limited time we are offering 6 months no interest and no payments plus 18 months interest free* on purchases over $500.
*Offer Extended ! Now valid from 01-09-2025 to 28-02-2026.

• Minimum purchase $500.00. 18 months interest free with no repayments required for the first 6 months. Offer ends 28/02/2026.
• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.
• Gift voucher purchases excluded*

Applications can be made directly with Latitude Financial Services Limited via their online application page.

What is Interest Free GEM Finance?

Pay no interest during the promotional period provided you pay the ‘payment to reduce further interest’ amount in your monthly statement by the payment due dates. If you pay the outstanding balance in full before the end of the interest free period, you will avoid paying any interest. 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.

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.

•  Buy online or in-store
•  Choose a payment plan that suits you
•  Pay no interest during interest free period
•  Apply online and if approved, start shopping right away
•  Minimum monthly payments must be made each month
•  Make additional repayments without penalty

*GEM Interest Free Offer T&C's

• New customers must apply and be approved for a Gem Visa credit card. 
• Interest Free offers are only available on Gem Visa and Gem CreditLine credit cards only.
• Gift voucher purchases excluded*

12 Months Interest Free* Storewide T&C's

*12 Months Interest free. Minimum purchase $250. From no deposit. 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.

6 Months no Interest and no payments plus 18 Months Interest free* Offer valid from 01-09-2025 to 28-02-2026.

• Minimum purchase $500.00 18 months interest free with no repayments required for the first 6 months. Offer ends 28/02/2026.
• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.
• Gift voucher purchases excluded*

*18 months interest free with no repayments required for the first 6 months. Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fee of ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly)). Minimum purchase $500.00. Payment for your purchase will be deferred for the stated period, during which, no interest will accrue and no monthly payments need to be made. The interest free period will continue after the deferred payment period, for the stated time which requires a minimum monthly payment. 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 interest free period. Interest rate (currently Gem Visa 29.49% p.a. / Gem CreditLine 29.95% p.a.) applies after any interest free term ends. For cash advances, an interest rate of 29.95% p.a. and a fee of ($2 Gem Visa / $6 Gem CreditLine) applies.
Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Limited.