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 'Credit Card' 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 25.25% 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 25.25% 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 available for existing QCard holders only. 18 months no payments and no interest ("Payment Holiday") on all purchases $499 and over made in-store and online at heathcotes.co.nz on QEFTPOS Plans. Annual Account Fee of $50 applies. QCard Standard Interest Rate, currently 25.25% pa, applies to any outstanding balance at the 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 expires 17/10/18.

A minimum purchase amount may be required. Annual Account Fee of $50 applies. Available on Flexi Payment, Fixed Installment or EFTPOS Plans.

For interest-free only deals, monthly payments may be required throughout the interest-free period. QCard Standard Interest Rate, currently 25.25% pa, applies to any outstanding balance at end of Payment Holiday or interest-free period. QCard lending criteria, fees, terms and conditions apply. Rate and fees correct at the date of publication and are subject to change.

 

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).

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 make 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*.

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 do 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.