Payment Options
GEM Interest Free Payments
What are Interest Free Payments?
Enjoy the freedom to make your purchase and manage your payments over time, without paying any interest during the interest free period. We offer 12 Months Interest Free and 10 Months Deferred Payment.
- Buy online or in-store
- Choose payment plan that suits you
- Pay no interest during interest free period
- Apply online and get a response in 60 seconds and if approved, start shopping right away
- Minimum monthly payments must be made each month
- Make additional repayments without penalty
***Terms & conditions apply
12 Months Interest Free Storewide
12 months interest-free Storewide. Minimum purchase $250. From no deposit. The amount payable will be shown on your monthly statement. Credit and lending criteria and fees, 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)) apply. Prevailing 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 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 Limited.
10 Months Deferred Payment
Payment for your purchase will be deferred for the stated period. During the deferred payment period, no interest will accrue and no monthly payments need to be made. If you pay the outstanding balance in full before the end of the deferred payment period, you will avoid paying any interest. If you do not pay the outstanding balance in full before the end of the deferred payment period, the amount payable will include interest and will be included in the minimum monthly payment amount shown on your monthly statement. Prevailing 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 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 Limited.
Fees and Charges
Minimum monthly payments are required but you won’t be charged interest if you pay off your purchase before the expiry of the interest-free period. The prevailing interest rate applies to any outstanding balance on the expiry of the interest-free period.
Standard fees and charges apply including:
Establishment Fee
A one-off establishment fee of $55 is charged for the processing of your application when you open your account and applied at the point of your first spend.
Annual Account Fee
A fee is charged on the anniversary of your account and is for maintaining the account for the previous 12 months. It is then charged each subsequent year the account remains open. The annual fees ($65 Gem Visa (charged $32.50 half yearly)/$65 Gem CreditLine (charged $32.50 half yearly)) apply.
Gem Visa and Gem CreditLine are provided by Latitude Financial Services Limited.
Afterpay
How it works:
- Browse and Shop: Explore our website and add items to your cart.
- Select Afterpay at Checkout: Choose Afterpay as your payment method during checkout.
- Create an Account: If you’re a first-time user, quickly sign up with Afterpay. Returning customers can log in for a seamless experience.
- Instant Approval: Enjoy quick approval decisions without the need for lengthy paperwork or credit checks.
- Pay in 4 Installments: Spread the cost of your purchase into four equal payments, automatically deducted from your chosen payment method every two weeks.
- Enjoy Your Purchase: Once your first payment is made, your order will be shipped or made available for immediate download. Enjoy your new items right away!
Key Features:
- Interest-Free: Afterpay is completely interest-free. No surprises, just simple, transparent payments.
- No Hidden Fees: There are no additional fees when you pay on time. Clear and straightforward.
- Accessible to All: Afterpay is available to customers of all credit backgrounds. We’re here to make shopping accessible to everyone.
- Secure and Convenient: Your information is securely stored, and payments are automated for a hassle-free experience.
Responsible Spending:
Afterpay encourages responsible spending. We want you to shop within your means, and our easy-to-use platform helps you manage your budget effectively.
Get started:
Get Started: Experience the joy of flexible shopping with Afterpay today. Create an account, explore your favorite stores, and embrace the freedom to buy now and pay later.
Shop smart, shop with Afterpay!
PayPal
People who buy
When you make a payment, you can choose how you want to pay for your purchases:
- If you have sufficient PayPal balance to cover the payment, the amount will be deducted directly.
- If you have linked a credit or debit card to your PayPal account, the payment amount can be deducted from your credit or debit card after you've depleted your PayPal balance.
How it works:
- Browse and Shop: Explore our website and add items to your cart.
- Select PayPal at Checkout: Choose PayPal as your payment method during checkout.