Interest Free Finance
Why wait? Get it now!
At JB Hi-Fi we offer a range of payment options for in-store and online, including interest-free finance on in-store and online purchases with Gem.
- Online payment options
- Instore payment & finance options
- Long term finance options
- Buy now pay later
Online Payment and finance Options
Pay with credit card, JB Gift Card, Gem, Afterpay or Zip when you shop online at JB
Instore payment & finance options
We accept the following payment methods instore at JB Hi-Fi
Payment by Gift Cards, Gem credit cards, PayPal, Zip and American Express currently unavailable at our airport stores.
Long Term Finance Options
Own it now and enjoy long-term repayment options when you shop at JB Hi-Fi.
Our finance option is provided by Gem who offer competitive interest-free deals. Applying in-store for a Gem Visa credit card is fast and paperless, or you can apply online here: Gem Visa Application
6 Months Interest Free
*Minimum purchase $250. Minimum monthly payments required. 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 and lending criteria and fees, including annual fees ($55 Gem Visa (charged $27.50 half yearly) / $55 Gem CreditLine (charged $27.50 half yearly)), apply. 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. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. 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. Interest Free offers are not available at any stores located in airports.
6 Months Deffered*
*Minimum purchase $250. No monthly payments required during the state period. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card.
6 months Interest Free with no repayments during the stated period. 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)). Minimum purchase $250. Payment for your purchase will be deferred for the stated period. During this period, no interest will accrue and no monthly payments need to be made. If you do not pay the outstanding balance in full before the end of the deferred payment period, the amount payable will accrue interest and will be included in your monthly statement. Prevailing interest rate (currently Gem Visa 29.49% p.a./Gem CreditLine 29.95% p.a.) applies after any interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. 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. Interest Free offers are not available at any stores located in airports.
12 Months Interest Free*
*Minimum purchase $250. Minimum monthly payments required. 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 and lending criteria and fees, including annual fees ($55 Gem Visa (charged $27.50 half yearly) / $55 Gem CreditLine (charged $27.50 half yearly)), apply. 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. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. 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. Interest Free offers are not available at any stores located in airports.
12 Months Instalment Interest Free*
*Minimum purchase $250. Equal monthly payments required. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card.
Approved customers only. 12 months of Instalment Interest Free with Gem Visa as an Instalment Plan Advance / Gem CreditLine as a CreditLine Select Advance. Amount payable will be shown on your monthly statement. Minimum purchase $250. As the Instalment Interest Free plan is for a period of less than 36 months, the minimum monthly payment under this plan is greater than the usual interest free repayment for the same term. Please refer to your Gem Visa or Gem CreditLine Conditions of Use in regard to the payment allocation for this plan.
If you don’t make your minimum monthly payment as provided in your statement, for two consecutive months, you agree that all Instalment Interest Free plans with a period of less than 36 months will change to an Interest Free plan for the remainder of the original plan’s term.
Prevailing interest rate (currently Gem Visa 29.49% p.a./ Gem CreditLine 29.95%p.a.) applies after any interest free term ends.
*Credit and lending criteria and fees, including annual fees ($55 Gem Visa (charged $27.50 half yearly) / $55 Gem CreditLine (charged $27.50 half yearly)), apply. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. 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. Interest Free offers are not available at any stores located in airports.
24 Months Interest Free*
*Minimum purchase $500. Minimum monthly payments required. 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 and lending criteria and fees, including annual fees ($55 Gem Visa (charged $27.50 half yearly) / $55 Gem CreditLine (charged $27.50 half yearly)), apply. 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. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. 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. Interest Free offers are not available at any stores located in airports.
24 Months Instalment Interest Free*
*Minimum purchase $400. Equal monthly payments required. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card.
Approved customers only. 24 months of Instalment Interest Free with Gem Visa as an Instalment Plan Advance / Gem CreditLine as a CreditLine Select Advance. Amount payable will be shown on your monthly statement. Minimum purchase $400. As the Instalment Interest Free plan is for a period of less than 36 months, the minimum monthly payment under this plan is greater than the usual interest free repayment for the same term. Please refer to your Gem Visa or Gem CreditLine Conditions of Use in regard to the payment allocation for this plan.
If you don’t make your minimum monthly payment as provided in your statement, for two consecutive months, you agree that all Instalment Interest Free plans with a period of less than 36 months will change to an Interest Free plan for the remainder of the original plan’s term.
Prevailing interest rate (currently Gem Visa 29.49% p.a./ Gem CreditLine 29.95%p.a.) applies after any interest free term ends.
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)). For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. 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. Interest Free offers are not available at any stores located in airports.
Buy Now, Pay Later
Buy now and pay later with Afterpay, at JB Hi-Fi! Afterpay allows you to get that product you love now and pay later in 4 easy payments over 6 weeks.
- No interest
- No establishment fees
- No monthly account fees
- Instant approval decision
- Smart spend limits
- Available in-store and online
For more information and for terms & conditions, Click Here
Shop with ZIP at JB Hi-Fi and pay in 4 interest free installments over 6 weeks.
- Pay 25% upfront and the rest over 3 fortnightly payments
- Interest free
- Apply in minutes
- Instant approval decision
- Zero fees