Q Card Terms and Conditions

18 Months Interest Free.

18 months interest free is available on Long Term Finance (LTF) for in-store purchases
until further notice. Min spend $200. Lending criteria, $50 annual Account Fee, fees,
Ts&Cs apply. $55 Establishment Fee applies to your first Long Term Finance (LTF)
transaction, $35 Advance Fee applies to subsequent LTF transactions. Min payments
of 3% of the monthly closing balance or $10 (whichever is greater) are required
throughout interest free period. Paying only the minimum monthly payments will not
fully repay the loan before the end of the interest free period. Standard Interest Rate
of 28.95% p.a. applies to outstanding balance at the end of LTF interest free period.
Other interest rates and fees may apply. Rates and fees subject to change. New
customers need to apply and be approved for a Q Mastercard credit card. 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.

Are you a Gem Finance Customer?

• Available on a Gem Visa credit card.
• Minimum purchase amount applies.
• Minimum monthly payments required. Exclusions may apply.
• Lending criteria, T&Cs & fees apply incl. $55 estb. fee & $65 annual fee ($32.50 half-yearly). Standard interest rate (currently 29.49% p.a.) applies after interest free term ends.

Contact your local dealer for the latest Gem Finance deal.

Disclaimer: Paying only the minimum monthly repayment of 3% of the outstanding monthly balance or $20 (whichever is more), may not be sufficient to repay the purchase amount(s) during the interest free term. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Limited