Buy Now, Pay Later!

Terms and Conditions:

6 months deferred payment with a further 12 months interest free. 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)).

Minimum purchase $500. 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. Prevailing interest rate (currently Gem Visa 28.99% p.a./ Gem CreditLine 29.95% p.a.) applies after any interest free term ends. 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

https://www.gemfinance.co.nz/terms-and-conditions/