Finance and Hire Purchase

Hire Purchase & Finance - Buy Online with Q MasterCard, GEM visa and Oxipay

 

Q MasterCard

Q MasterCard is the ideal shopping partner, combining the benefits of a credit card with the added ability to access a range of interest-free deals and payment holidays. Ask in-store about our current finance options or see below for offers currently available online.

To find out more about Q MasterCard, or to apply online, please visit qmastercard.co.nz.

Purchasing online with Q MasterCard

You can now use your Q MasterCard to make online purchases at heathcotes.co.nz to get at least 3 months no payments and no interest* on your purchase. Right now for online purchases using QCard $499 and over you will automatically get 12 months no payments and no interest.**

To use Q MasterCard online when you check-out simply select 'Interest-Free Terms on Q Card Finance' as your payment type, enter your Q MasterCard number, expiry date and CVV number. (Your CVV number is a 3 digit number displayed on the back on your Q Card).

Apply Online for your Q MasterCard

Q Card Terms and Conditions:

*Offer available for existing Q MasterCard holders only. 3 months no payments and no interest ("Payment Holiday") is available on all purchases made online at heathcotes.co.nz on QEFTPOS Plans. Annual Account Fee of $50 applies. Q MasterCard Standard Interest Rate, currently 25.99% pa, applies to any outstanding balance at end of Payment Holiday. Q MasterCard lending criteria, fees, terms and conditions apply. Rate and fees correct at the date of publication and are subject to change.

**Offer available for existing QCard holders only. 12 months no payments and no interest ("Payment Holiday") on all purchases $499 and over made online at heathcotes.co.nz on QEFTPOS Plans. Annual Account Fee of $50 applies. QCard Standard Interest Rate, currently 25.99% pa, applies to any outstanding balance at end of Payment Holiday. QCard lending criteria, fees, terms and conditions apply. Rate and fees correct at the date of publication and are subject to change. A $55 Establishment Fee for new Q Cardholders and a $35 Advance Fee for existing Q Cardholders will apply.

Greatest Gift Ideas Mailer: 12 months No payments and No interest

Greatest gift ideas Mailer begins Wednesday 4th December until Tuesday 24th December 2019. Stock is limited and, in some situations, cannot be backordered. 12 Months No Payments & No Interest is available on all purchases $499 and over made in-store and online at heathcotes.co.nz on. Annual Account Fee of $50 applies. QCard Standard Interest Rate, currently 25.99% pa, applies to any outstanding balance at end of Payment Holiday. QCard lending criteria, fees, terms and conditions apply. Rate and fees correct at the date of publication and are subject to change. Offer runs from 4/12/19 until 24/12/19. This cannot be used in conjunction with any other offer.

All cashback offers are by redemption from the respective supplier, in some situations stock is limited and only available in selected stores. Bonus gift cards to be issued once payment is made in full. Drive Away a Dream Car is a New Release 2020 Land Rover Discovery Sport R-Dynamic S worth over $80,000 * Image is not representative of offer as shows optional extras “RRP is based on new standard specification Discovery Sport P200 R-Dynamic S”. 

Drive Away A Dream: Car Prize Draw (30th October 2019 – 31st March 2020)

  1. Heathcotes are giving away a BRAND NEW 2020 Land Rover Discovery Sport R-Dynamic S* worth over $80,000. This competition is exclusive to Heathcote Appliances.
  2. Employees and their immediate families of Heathcote Appliances and commercial clients are not eligible to enter.
  3. Prize may not be exchanged.
  4. Heathcote appliances reserve the right to not supply any prize winners who have overdue accounts.
  5. For every $100 you spend you get one entry. You will automatically receive the number of entries associated with you spend. For example, if you spend $950 you will automatically receive 9 Entries
  6. ​When selecting “yes” to be part of Heathcotes VIP Club you agree to receive marketing material from Heathcotes. You can unsubscribe from this list and any time by emailing onlinesupport@heathcotes.co.nz directly or unsubscribing from any email marketing that has been sent.
  7. All entries are done online at https://www.heathcotes.co.nz/driveawayadream
  8. The winner will be notified by phone and/or email. Prize winners must agree to publication online.
  9. Competition starts on 30/10/19 and closes on 31/3/20 and all entries for Drive Away A Dream must be in by 5pm 6/4/20.
  10. All sales invoiced between 30/10/19 and 31/3/20 are eligible for the draw.
  11. Winner will be announced 9/4/20.

Panasonic Prize Package Giveaway - Terms & Conditions 2019

1. There is no limit to the number of entries that can be made, however, each entry will be issued when $100 is spent with Heathcote Appliances from 4/12/2019 until 24/12/2019.

2. You will receive double entries for all Panasonic purchases 

3. Entries close midday 30/12/2019.

5. Prizes may not be exchanged.

6. Heathcote appliances reserves the right to not supply any prize winners who have overdue accounts.

7. Employees and their immediate families of Heathcote Appliances and commercial clients are not eligible to enter.

8. Prize winners must agree to publication online.

9. The prize for the Panasonic Prize Package will be drawn on the 8/1/2020 and announced online and on the Heathcote Appliances Facebook Page.

10. The winner will be notified by phone and/or email.

11. Prizes not claimed within 21 days of notification, will be forfeited and will remain the property of Heathcote Appliances.

 

GEM Visa

You can use your Gem Visa to make online purchases at heathcotes.co.nz to get 6 months interest-free on all purchases over $250.

To use Gem Visa online when you check-out simply select 'Credit Card' as your payment type, enter your Gem Visa card number, expiry date and CVV number. (Your CVV number is a 3 digit number displayed on the back on your Gem Visa Card).

Note: Longer-term rates are available when making in-store purchases with Gem Visa. The only option available online is 6 months interest-free on all purchases over $250.

Apply Online for your Gem Visa

Gem Visa Card Terms and Conditions:

*Offer available for existing Gem Visa cardholders only. 6 months interest-free is available on all purchases made online at heathcotes.co.nz. Annual Account Fee of $52 applies. Gem Visa Standard Interest Rate, currently 25.99% pa, applies to any outstanding balance at end of the interest-free period. Gem Visa lending criteria, fees, terms and conditions apply.

Oxipay

At Heathcotes.co.nz you can now use Oxipay to make four fortnightly interest-free payments on purchases up to $1500.00. Oxipay helps you take control of your money. Shop today and pay later.

Signing up is simple, fast and free. Pay with four fortnightly payments. Easy login to view payments, purchase history, & total owed. Simply select Oxipay as your payment method during the checkout process.

No Interest. Ever.*

Oxipay makes money by charging Heathcotes directly, so you only pay the cost of your purchase. There is zero interest and zero added fees, as long as you pay on time*.

Minimum spend is $20.00 NZD

Visit Oxipay

Who can use Oxipay? You can access Oxipay if you:

  • Live in New Zealand
  • Are at least 18 years old
  • Have a valid and verifiable email address and a New Zealand mobile number
  • Have a New Zealand Mastercard or Visa credit or debit card
  • Have a New Zealand residential and shipping address
  • Have a New Zealand driver’s license

When are my payments processed?

Your first payment is made when you make your purchase and will be 25% of the purchase price for any purchase under $1,000. If you purchase something over $1,000 (up to a maximum of $1,500) your first payment will be $250 plus the amount over $1,000. Each subsequent instalment is charged every fortnight after the purchase date.

Oxipay Terms and Conditions

*A late fee of $10 is charged if Oxipay does not receive payment by the due date. If you are past due by more than 7 days, your account may be passed to Oxipay Collections team where a $30 fee may be applied to your account. When you purchase with Oxipay up to a maximum of $1,500, Oxipay pay Heathcotes and you pay in 4 instalments. The first instalment is due when you make a purchase, with 3 remaining instalments due every fortnight.