Finance and Buy Now Pay Later
Finance - Buy Online with Q MasterCard and GEM visa
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 www.qmastercard.co.nz
Purchasing online with Q MasterCard
You can 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 Card $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 and follow the prompts to complete the payment
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 26.69% pa, applies to any outstanding balance at end of Payment Holiday. Q MasterCard lending criteria, fees, terms and conditions apply. Rates and fees correct as at date of publication, subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
** *12 Months No Payments and No Interest (“Payment Holiday”) is available on Long Term Finance (LTF) purchases. Min Spend $499. At end of interest free period, Q Mastercard Expired Promotional Rate or Q Card Standard Interest Rate of 27.99% p.a. applies. Standard Interest Rate applies to Standard Purchases after 3 months (Q Mastercard 26.69% p.a. and Q Card 27.99% p.a.) Rates and fees correct as at date of publication, subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
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 get this Gem Visa offer 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).
For any Gem Visa Long Term Interest Free Deals the below Terms and conditions apply
Gem Visa: * Minimum purchase $250 - $1000 depending on the finance term. Minimum monthly payments required. Normal 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). Prevailing interest rate (currently Gem Visa 29.95% 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.. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited. Offer excludes Miele whiteware, Gaggenau, NEFF & iPhone.
Buy Now Pay Later - Shop online and in store with Afterpay and Laybuy
Afterpay allows you to pay for your purchase over 4 instalments due every 2 weeks. In some cases, Afterpay may require you to make a payment at the time of purchase. You must be over 18 years old and be the authorised holder of an eligible debit/credit card to apply. Sign up for an Afterpay account here.
All orders are subject to Afterpay’s approval – for example, if you have any overdue payments, Afterpay will not be available to you.
You can make repayments to Afterpay any time BEFORE the due date. Otherwise, Afterpay will automatically process payments on the scheduled dates from your card. If a payment is not processed on or before the due date, late fees will apply – initial $10 late fee, and a further $7 if the payment remains unpaid 7 days after the due date. For each order below $40, a maximum of one $10 late fee may be applied per order. For each order of $40 or above, the total of the late fees that may be applied are capped at 25% of the original order value or $68, whichever is less.
The delivery/quality of goods and all refunds are the responsibility of the retailer where you make the purchase.
Afterpay late fees, eligibility criteria and terms & conditions apply. Visit afterpay.com for full terms.
Laybuy lets you receive your purchase now and spread the total cost over 6 weekly automatic payments. Always interest-free.
Head to the checkout as normal and select Laybuy as your payment method.
Log in or sign up in seconds.
Choose your payment day, view your schedule and select pay now.
You're done! Your items are on their way. Payments will be taken each week automatically.
Laybuy late fees, eligibility criteria and terms & conditions apply. Visit laybuy.co.nz for full terms.