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Interest free finance

Own it now and enjoy long-term repayment options when you shop at JB Hi-Fi with interest-free finance on in-store and online purchases with Gem.

Eligible cards

New applicants

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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
Apply now

Existing Gem credit card holders

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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).
Shop now

Available payment plans

6 Months*

Minimum purchase $250. 

Minimum monthly payments required. 6 Months Deffered option available with no monthly payments required during the state period.

12 Months*

Minimum purchase $250. 

Minimum monthly payments required. 12 Months Instalment Interest Free option available with equal monthly payments required.

24 Months*

Minimum purchase $500. 

Minimum monthly payments required.

24 Months Instalment Interest Free*

Minimum purchase $400. 

Equal monthly payments required.

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.
  • *6 Months Interest Free: Credit and lending criteria and fees, including annual fees ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 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.
  • *6 Months Deferred Interest Free with no repayments during the stated period: Credit and lending criteria and fees apply, including a Gem Visa $65 establishment fee and annual fees ($65 Gem Visa (charged $32.50 half yearly)/$65 Gem CreditLine (charged $32.50 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.
  • *12 Months Interest Free: Credit and lending criteria and fees, including annual fees ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 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.
  • *12 Months Instalment Interest Free: 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 $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly), apply. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. 
  • *24 Months Interest Free: 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.
  • *24 Months Instalment Interest Free: 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 $65 establishment fee and annual fees ($65 Gem Visa (charged $27.50 half yearly) / $65 Gem CreditLine (charged $32.50 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.