Minimum purchase $250. 18 months interest-free with no repayments required for the first 18 months. Offer 1st November 2021 - 31 January 2022. 

**18 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 ($52 Gem Visa/$50 Gem CreditLine). 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 25.99% p.a./Gem CreditLine 29.95% p.a.) applies after any interest-free term ends. Credit provided by Latitude Financial Services Limited.

https://www.gemfinance.co.nz/terms-and-conditions/

Participating Dealers are identified with the GEM Visa Logo on  Find Your Local Dealer.

Are you new to Interest-Free? Apply for a GEM Visa Now.  

The process is quick and simple. To start your online application, head to the Gem Visa website and follow the instructions.

You will need to be 18 years and over, be a permanent resident of NZ and be able to supply a passport or drivers’ license, income and expense details, employer's name and details, and an email address.