12 Months Interest Free Offer

Cycle Time offer 12 Months Interest Free Terms 

(Ride Now / Pay Later) 

On purchases over $250 processed appropriately and in store on a validated Q Mastercard or GEM Visa.

GEM VISA

Pay no interest for 12 months* on purchases over $250 when you choose Pay With GEM at checkout.  

Nb:  Card must be processed in a manner different to processing through our standard EFTPOS machine and it is the responsibility of the customer to request this offer before processing commences.

Don’t have a GEM Visa – apply on line now – CLICK HERE

*Terms & Conditions:

12 Months Interest Free
Minimum purchase Amount $250. Minimum monthly repayments required. Credit and lending criteria and fees apply, including a Gem Visa establishment fee and an annual fee charged half yearly Prevailing interest rate applies after any interest free term ends. Paying only the minimum monthly repayment of 3% of the outstanding monthly balance or $20 will not be sufficient to repay the purchase amount(s) within the promotional period. Amount payable will be shown on your monthly statement.  Further information on rates and fees can be found at gemfinance.co.nz. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card. Credit provided by Latitude Financial Services Limited.

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 Q MASTERCARD

Pay no interest for 12 months* and make No Payments for 12 months* on purchases over $250 when you choose Pay With Q Mastercard at checkout.

Nb:  Card must be processed in a manner different to processing through our standard EFTPOS machine and it is the responsibility of the customer to request this offer before processing commences.

Don’t have a Q Mastercard– apply on line now – CLICK HERE

*Terms & Conditions:

12 months interest free:
*No Payments and no Interest for 12 Months ("Payment Holiday") is available on Long Term Finance (LTF) for in-store & online purchases. Min Spend $250. Lending criteria,  annual Account Fee, fees, Ts&Cs apply. Establishment Fee applies to your first LTF transaction, Advance Fee applies to subsequent LTF transactions. Standard Interest Rate applies to outstanding balance at the end of LTF 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.

Paying only the minimum monthly repayment of 3% of the outstanding monthly balance will not be sufficient to repay the purchase amount(s) within the promotional period. Amount payable will be shown on your monthly statement.