Skip to content


Finance Options

finance options

Shop with Gem Visa

We've partnered with Gem Visa/Gem CreditLine to make getting the items you want easier.  Select ‘Gem Interest Free’ at the checkout online or enquire with us today.

Available terms:

6 months interest free, minimum spend $250

12 months interest free, minimum spend $499


Apply here:


*Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa (charged $26 half yearly) / $55 Gem CreditLine (charged $27.50 half yearly)). 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 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.

  • No deposit finance available
  • 12 months interest free options available T&C'S apply ( Please contact us to obtain this )
  • Min spend $195
  • Flexible payment terms from 12, 18, 24, 36 or 48 months
  • Great deals on the best brands
  • Online finance available - apply online, it's easy to follow and takes a few minutes
  • View and manage your account online anytime, from anywhere
  • Calculate your payments here

What are the initial Application criteria?

  • You must be a NZ Citizen / Permanent Resident and currently living in New Zealand
  • You must be older than 18 years of age
  • Proof of identity by means of a photo identification document (NZ Drivers Licence or NZ Passport)

How to calculate my loan requirements?

This 3-step process is real easy, just start the process by clicking the button below and following these steps:

  • Input your loan amount and term
  • Fill in your details
  • Find out if your application is approved

    We're happy to help

    If you have any questions about the process or the information you are asked to provide then give our friendly customer service team at Finance Now a call on 0508-868-868

    Terms & Conditions 

    Terms & Conditions apply. All weekly payments are indicative only for that amount and are based on a term of 36 months, with the first 12 months interest free followed by months at an interest rate of 19.9% p.a and includes a $1.80 monthly service fee and a $49 establishment fee.  Details of finance (including weekly payments, the total amount repayable over the term of the loan, interest rate and any applicable fees) can be confirmed with a detailed quote upon request. Full disclosure of all of the terms of your finance will also be provided to you in the Finance Now disclosure statement for your consideration prior to confirmation of your purchase. All finance is subject to Finance Now terms and conditions and approval criteria. R140

    Step 1: Initial Application Criteria Checklist

    * You must be a NZ Citizen / Permanent Resident and currently living in New Zealand
    * You must be older than 18 years of age
    * Proof of identity by means of a NZ drivers licence, passport or firearms licence
    Things you should know:
    Finance Now's normal lending criteria and loan terms apply. Repayments shown are indicative only and include a Establishment Fee and a Monthly Service Fee. Full disclosure of all of the terms of your loan (including the Total Amount Payable over the term of the loan) will be provided to you prior to finalisation of your loan. Payment Protection Insurance (PPI) is optional and has not been included in the payment amounts above.

    Want to know how we assess applications? Read more here.

    Compare products

    {"one"=>"Select 2 or 3 items to compare", "other"=>"{{ count }} of 3 items selected"}

    Select first item to compare

    Select second item to compare

    Select third item to compare