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Interest Free


Who Can use Afterpay?

You must:

  • be an individual who is at least 18 years old;
  • be capable of entering into a legally binding contract;
  • have a valid and verifiable email address and New Zealand mobile telephone number;
  • provide a valid delivery address in New Zealand;
  • have your identity verified in accordance with the requirements of the Anti-Money Laundering and Countering Financing of Terrorism Act 2009;
  • have access to a Payment Method, for example by being the holder of a Card.

Pay over 6 weeks.

Get what you need now. Make your first payment today and the rest over 6 weeks. They’ll send you reminders, so you never miss a payment.

Never pay interest.

They never charge interest.

Full stop.

No fees when you pay on time.

Afterpay is free when you pay on time. Pay nothing to sign up, no establishment fees, no monthly account fees.

Smart spend limits.

Their spending limits start at around $600 and only increase gradually with responsible spending behaviour. All orders are subject to Afterpay’s approval –For more information on assessment and checks, please see full terms and conditions here.


Who Can use layby?

be at least 18 years old

be a resident of New Zealand

have a valid and verifiable email address and mobile telephone number;

have a valid debit or credit card

have a valid licence or passport (from the country you are signing up in)

How layby works?

Laybuy offers online shoppers a simple interest free payment plan that lets you secure your purchase today and pay for it in 6 equal payments, once a week for 6 weeks. Laybuy performs a credit check to obtain a credit score on all new users upon registration. Once your credit score has been confirmed and your account has been verified, Laybuy assigns your Laybuy limit and you can begin shopping immediately. The first payment equal to one sixth of the purchase price occurs once your order is completed. The remaining 5 payments are processed each week on the day of the original purchase from your nominated card. No further action is required and all account information including a payment schedule can be viewed, at any time, through your Laybuy account. For more information, please visit


Who can use humm?

Be 18 years or older.

Be a permanent resident of New Zealand.

Have a permanent job (at least 25 hours a week) or be on a New Zealand Super or Veteran’s Pension.

Be sure you’re not insolvent (or declared bankrupt).

Have a valid New Zealand driver licence or passport.

How humm works?

humm is the only ‘Buy Now, Pay Later’ service that’s perfect for both the ‘Little things’ and ‘Big things’ in life. It’s fast, easy to use and there’s a wide and ever-increasing range of places to shop. To start humm-ing, simply click here or download the app and follow the steps. Once you’ve done that you’ll be able to see your account info and take the first steps on your interest-free forever. Woo-hoooo! What do we mean by ‘Little things’ and ‘Big things’? Here’s the deets…
‘Little things’ ‘Big things’
Can apply for up to $1,000 Apply in-store for up to $10,000 depending on what you buy and where you shop
Repay in 5 or 10 instalments weekly or fortnightly Repay fortnightly over 6, 9, 12 months all the way up to 24 months
Repay and free up your balance to spend again Apply each time you want to buy a big thing
Once you have applied and been approved, you can buy stuff: Online – Choose humm at checkout and you’ll be taken through humm to get your payment sorted. In-store – open the humm app, complete your humm registration if you haven’t done so already, and create a barcode. Just take this to the checkout with the thing you want to buy and we’ll key in the code. For more information, please visit



Who can use Genoapay?

You will need to be at least 18 years of age, hold a valid New Zealand drivers license or New Zealand passport, and have a debit or credit card.

How Genoapay works?

Genoapay gives you the ability to convert any purchase into a 10 week instalment plan, so you can pay for what you need over time, with no interest, and no fees. We take the first instalment when you commit to a purchase, with the remaining balance being processed weekly over the agreed term.
  1. Sign up for free
This usually takes a couple of minutes to complete and you will just need to have a valid NZ driver’s license or NZ Passport.
  1. Choose Genoapay when shopping
Genoapay is fully integrated with the stores payment process. They will set up the payment for you in person via text message, or automatically if you check out with Genoapay online.
  1. Confirm the payment
Lastly you will just need to confirm your payment plan then enter your credit or debit card details to pay your first instalment and activate your plan. For more information, please visit


Gem Visa can be used as a general purpose credit card.

When you use Gem Visa on our Eftpos, Gem Visa offers 6 months interest free on all purchases over $250 and Gem Creditline offers 120 days deferred interest free on all purchases over $100.

When you shop on our website, we are offering 12 months interest free with minimum purchase of $250, 18 months interest free with minimum purchase of $500.


You must:

Be 18 years or over

Be a permanent resident of New Zealand

Able to supply:

Passport or Driver’s License

Income and expense details

Employer’s name and contact details

Your email address

Apply Here

^Gem Visa T&Cs and fees apply including a $55 establishment fee and $52 annual fee. Prevailing interest rate (currently 25.99% p.a.) applies to any remaining balance on the expiry of the interest free term. Credit provided by Latitude Financial Services Ltd.

Q Card

No payments and no interest for three months (“Payment Holiday”) is available on all Q Mastercard Standard Purchases (excludes cash advances) in store and online.

Annual Account Fee of $50 applies. Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of Payment Holiday. Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change.

Q Card and Q Mastercard offer access to Long Term Finance deals* in-store at thousands of participating retailers throughout New Zealand. They let you make big ticket purchases on interest-free and/or payment holiday terms. Ask in-store today about a finance offer that may suit you.

Long Term Finance Deal

*An Establishment fee of $55 applies to your first LTF transaction, a $35 Advance Fee applies to all subsequent LTF transactions. Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of the interest free period. Lending criteria, $50 annual account fee, fees, terms and conditions apply.

Who can apply Q Card?

Are 18 years or older. Live in New Zealand and are a NZ citizen or permanent resident. Can provide both a valid email address and mobile number. Have had the opportunity to seek independent financial advice on whether this product is appropriate for you. Hold a current NZ Driver Licence or have a valid NZ or Australian Passport. Apply Now

Finanance Now

At beds n lounge direct, we can tailor make a finance package to suite your need.

You can apply online or call them at 0800299399 for a personalised Finance Now loan. It only takes a few minutes and it’s so easy to complete. As soon as you’ve finished, they’ll let you know if you’ve been approved and contact you to arrange payment and the completion of the contract. Simple!

Initial Application Criteria Checklist

Here’s what you’ll need to complete your application:

You must be a NZ Citizen / Permanent Resident and currently living in New Zealand.

You must be older than 18 years of age.

Your fortnightly or monthly income (after tax)

Your employment details

 Current proof of identity (Passport or Driver’s License)

*Things you should know:

Finance Now’s normal lending criteria and loan terms apply. Loan Applications are subject to Responsible Lending Enquiries. Repayments shown are indicative only and include a $195 application fee and a $2.50 monthly service fee. Interest rates for personal loans range from 12.95% to 29.95% p.a. Loan terms range from 6 to 60 months. Full disclosure of all of the terms of your loan (including the total amount payable over the term of the loan) will be provided to you prior to finalisation of your loan. Payment Protection Insurance (PPI) is optional and has NOT been included in the payment amounts below. To apply, please visit

Work and Income

We are approved supplier for Work and Income New Zealand. Give us a call or email us the products you are interested. We are happy to send you the WINZ quotation.

Visit our showroom

If you prefer to try before you buy – come on into our Auckland showroom located at 3A Tait Place, Albany/Rosedale, Auckland.
You can choose from our extensive range of high quality beds and lounge suits.

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