Finance and Buy Now Pay Later

Finance - Buy Online with Q MasterCard and GEM visa

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 www.qmastercard.co.nz

Purchasing online with Q Mastercard

You can use your Q Mastercard to make online purchases at heathcotes.co.nz and get 36 Months of Interest-Free when you spend $499 and over.

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 
 

Apply Online for your Q Mastercard

Terms and Conditions:

*36 Months Interest Free. On purchases $499 & over. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. At end of interest free period, Q Mastercard Expired Promotional Rate or Q Card Standard Interest Rate of 27.99% p.a. applies (see Ts&Cs for Q Mastercard Standard Interest Rate). $55 Establishment Fee or $35 Advance Fee applies. Excludes iPhone, Miele White ware, NEFF & Gaggenau. Offer ends 31st July 2024.

 

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 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 are 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 29.49% 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. For cash advances, an interest rate of 29.95% p.a. and fees of $2 Gem Visa/$6 CreditLine applies. Further information on rates and fees can be found at gemfinance.co.nz.

Apply Online for your Gem Visa

Buy Now Pay Later - Shop online and in store with Afterpay

Afterpay

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.