Interest free finance

* Excludes gift cards and phone plan purchases and not available in airport stores. Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($65 Gem Visa (charged $32.50 half-yearly) / $65 Gem CreditLine (charged $32.50 half-yearly)). Prevailing interest rate (currently Gem Visa 29.49% p.a./ Gem CreditLine 29.95% p.a.) applies after any interest-free term ends. Amount payable will be shown on your monthly statment. 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. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. Click for further information on rates and fees. Credit provided by Latitude Financial Services Ltd. See below for available plan details.
# Spend calculated on one transaction only at JB Hi-Fi. Maximum of one bonus JB Hi-Fi Gift Card per transaction. For online transactions, Gift Card will be sent within 2 weeks of order being dispatched. Click for full Gift Card T&Cs.

*Excludes gift cards and phone plan purchases. Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($65 Gem Visa (charged $32.50 half-yearly) / $65 Gem CreditLine (charged $32.50 half-yearly)). Prevailing interest rate (currently Gem Visa 29.49% p.a./ Gem CreditLine 29.95% p.a.) applies after any interest-free term ends. Amount payable will be shown on your monthly statment. 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. 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. Credit provided by Latitude Financial Services Ltd. Interest Free offers are not available at any stores located in airports. Ask in-store or see below for details.

What makes Gem Interest Free different?

Our long-term payment plans lets you break your bigger purchases into flexible monthly repayments.

Eligible cards

New applicants

Apply now for a Gem Visa credit card^

• Apply online in 10 minutes
• Once approved, simply activate your card online using the Latitude app
• In-store purchases: Head in-store and provide us with your photo ID and account number
• Online purchases: Checkout using your Latitude Gem Visa account number and have your mobile phone on hand for verification

Existing Gem credit card holders

Start shopping interest free now!

• For online purchases choose Gem Interest Free as your payment method during checkout and simply enter your card or account number
• Or visit your nearest store and present your card at checkout
• Fees and charges may apply (please refer to your cards terms and conditions).

How Interest Free payment plans work

Available payment plans

Things to know

• Credit provided by Latitude Financial Services Limited. Interest Free offers are not available at any stores located in airports.
• Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card.
• (1) 6 or 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 apply, including a Gem Visa $55 establishment fee and annual fees ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly)). 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 Ltd. Interest Free offers are not available at any stores located in airports.
• ^(2) 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 apply, including a Gem Visa $55 establishment fee and annual fees ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly)).. 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 Ltd. Interest Free offers are not available at any stores located in airports.
  
• (3) Pay no interest and no payment for 6 months: Minimum purchase $100. No monthly payments required during the stated 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 ($65 Gem Visa (charged $32.50 half yearly)/$65 Gem CreditLine (charged $32.50 half yearly)). 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.
  
• (4) 12 months interest free with equal monthly payments: 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 or Gem CreditLine as an Instalment Plan Advance/CreditLine Select Advance. Amount payable will be shown on your monthly statement. Minimum and maximum purchase amounts may apply. 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. If there's an outstanding balance after the interest free period ends, interest will be charged at the prevailing interest rate (currently Gem Visa 29.49% p.a./ Gem CreditLine 29.95% p.a.). Credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly)) apply. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card. 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. Credit is provided by Latitude Financial Services Limited. Interest Free offers are not available at any stores located in airports.
  
• (5) 24 months interest free with equal monthly payments: 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 or Gem CreditLine as an Instalment Plan Advance/CreditLine Select Advance. Amount payable will be shown on your monthly statement. Minimum and maximum purchase amounts may apply. 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. If there's an outstanding balance after the interest free period ends, interest will be charged at the prevailing interest rate (currently Gem Visa 29.49% p.a./ Gem CreditLine 29.95% p.a.). Credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly)) apply. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card. 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. Credit is provided by Latitude Financial Services Limited. Interest Free offers are not available at any stores located in airports.
  
• Further information on rates and fees can be found at gemfinance.co.nz.