Who Can use Afterpay?
- 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.
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.
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?
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?
|‘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|
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?
- Sign up for free
- Choose Genoapay when shopping
- Confirm the payment
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.
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
^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.
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?
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:
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.