Purchasing Online 
If you already have a Gem Visa you can make your purchase online right now and receive 6 months interest free* on all purchases of $250 or more. Please select Credit Card as the payment option in the checkout.

For purchases of $500 or more online, we offer 12 months interest free and 24 months interest free with Gem Visa. Please select Gem as the payment option in the checkout for 12 or 24 months interest free.


Purchasing in store
When purchasing in store we also offer 24 months interest free or 12 months interest free no payments on purchases $500 and over up to $15,000^. A minimum deposit of 10% is required.  Ask for details in store or contact us now. 


Don’t have a Gem Visa?
Applying online is quick and easy through the Gem Visa website. You will need to be 18 years and over, be a permanent resident of NZ and be able to supply a passport or drivers licence, income and expense details, employer's name and details and an email address.

If you have any questions about Gem Visa or your finance options don’t hesitate to contact us or visit the Gem Visa website.

*^Normal credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa / $50 Gem CreditLine), apply. 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. Prevailing interest rate (currently Gem Visa 25.99% p.a./ Gem CreditLine 29.95% p.a.) applies to any remaining balance on the expiry of the interest free period. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.