Up to 48 months interest free*
*No payments and no interest for 12 months (“Payment Holiday”) and no interest for a further 36 months (“Further Interest Free Period”) is available on Long Term Finance (LTF) for in-store purchases only. Min spend $500. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. At end of interest free period, Q Mastercard Expired Promotional Rate or Q Card Standard Interest Rate of 27.99% p.a. applies. Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout Further Interest Free Period. A HRV finance surcharge of 9% applies. See below for full terms and conditions.
We've made the feeling of coming home to a warmer, drier home with HRV easy! Get flexible interest-free payments on HRV home ventilation and heat pumps. Terms and conditions apply, see below for details.
Q Card
Interest Free Options
GEM Visa
Interest Free Options
6 MONTHS NO PAYMENTS & NO INTEREST
| WHY | A little bit of breathing space with no payments and no interest for 6 months. |
| MINIMUM SPEND | $200 |
| MAXIMUM SPEND | Up to $30,000 (lending criteria applies) |
| REPAYMENT AMOUNT | No Interest or Payments for the first 6 months, then minimum payments of 3% of the monthly closing balance, or $10 (whichever is greater). There are no early repayment fees. |
| FEES | No Advance Fee or Establishment Fees |
| FINANCE SURCHARGE | 0% |
| APPLY / FIND OUT MORE | qmastercard.co.nz | farmersmastercard.co.nz | flightcentremastercard.co.nz |
| FULL TERMS & CONDITIONS | No payments and no interest for 6 months (“Payment Holiday”) is available on Long Term Finance (LTF) for in-store purchases only. Min Spend $200. At end of interest free period, Q Mastercard Expired Promotional Rate or Q Card Standard Interest Rate of 27.99% p.a. applies. Standard Interest Rate applies to Standard Purchases after 3 months (Q Mastercard 27.89% p.a. and Q Card 27.99% p.a.) Rates and fees correct as at date of publication, subject to change. 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. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. |
12 MONTHS NO PAYMENTS & NO INTEREST
| WHY | Paws your payments, with nothing to pay for 12 months! |
| MINIMUM SPEND | $200 |
| MAXIMUM SPEND | Up to $50,000 (Lending Criteria applies) |
| REPAYMENT AMOUNT | No payments or interest for the first 12 months, then minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required. |
| FEES | NEW CUSTOMERS: $55 establishment fee | EXISTING CUSTOMERS: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments) |
| HRV FINANCE SURCHARGE | 2% |
| APPLY / FIND OUT MORE | qmastercard.co.nz | farmersmastercard.co.nz | flightcentremastercard.co.nz |
| FULL TERMS & CONDITIONS | No payments and no interest for 12 months (“Payment Holiday”) is available on Long Term Finance (LTF) for in-store purchases only. Min Spend $200. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. At end of interest free period, Q Mastercard Expired Promotional Rate or Q Card Standard Interest Rate of 27.99% p.a. applies. Standard Interest Rate applies to Standard Purchases after 3 months (Q Mastercard 27.89% p.a. and Q Card 27.99% p.a.) Rates and fees correct as at date of publication, subject to change. 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. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. A HRV Finance Surcharge applies. Available until 31st March 2024. |
24 MONTHS INTEREST FREE, WITH NO PAYMENTS FOR THE FIRST 12 MONTHS
| WHY | Get your home ventilated now, and take your time to pay it back |
| MINIMUM SPEND | $500 |
| MAXIMUM SPEND | Up to $50,000 (Lending Criteria applies) |
| REPAYMENT AMOUNT | No payments or interest for the first 12 months, then minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required. |
| FEES | NEW CUSTOMERS: $55 establishment fee | EXISTING CUSTOMERS: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments) |
| HRV FINANCE SURCHARGE | 4% |
| APPLY / FIND OUT MORE | qmastercard.co.nz | farmersmastercard.co.nz | flightcentremastercard.co.nz |
| FULL TERMS & CONDITIONS | No payments and no interest for 12 months (“Payment Holiday”) is available on Long Term Finance (LTF) for in-store purchases only. Min Spend $200. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. At end of interest free period, Q Mastercard Expired Promotional Rate or Q Card Standard Interest Rate of 27.99% p.a. applies. Standard Interest Rate applies to Standard Purchases after 3 months (Q Mastercard 27.89% p.a. and Q Card 27.99% p.a.) Rates and fees correct as at date of publication, subject to change. 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. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. A HRV Finance Surcharge applies. Available until 31st March 2024. |
34 MONTHS NO INTEREST (1000 Days)
| WHY | Time to Ventilate with 1000 Days Interest Free |
| MINIMUM SPEND | $500 |
| MAXIMUM SPEND | Up to $50,000 (Lending Criteria applies) |
| REPAYMENT AMOUNT | No interest for the first 34 months, minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout the interest free period. |
| FEES | NEW CUSTOMERS: $55 establishment fee | EXISTING CUSTOMERS: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments) |
| HRV FINANCE SURCHARGE | 7% |
| APPLY / FIND OUT MORE | qmastercard.co.nz | farmersmastercard.co.nz | flightcentremastercard.co.nz |
| FULL TERMS & CONDITIONS | No payments and no interest for 12 months (“Payment Holiday”) is available on Long Term Finance (LTF) for in-store purchases only. Min Spend $200. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. At end of interest free period, Q Mastercard Expired Promotional Rate or Q Card Standard Interest Rate of 27.99% p.a. applies. Standard Interest Rate applies to Standard Purchases after 3 months (Q Mastercard 27.89% p.a. and Q Card 27.99% p.a.) Rates and fees correct as at date of publication, subject to change. 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. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. A HRV Finance Surcharge applies. Available until 31st March 2024. |
48 MONTHS INTEREST FREE, WITH NO PAYMENTS FOR THE FIRST 12 MONTHS
| WHY | Enjoy no payments for the first 12 Months with No Interest for a further 36 months. |
| MINIMUM SPEND | $500 |
| MAXIMUM SPEND | Up to $50,000 (Lending Criteria applies) |
| REPAYMENT AMOUNT | No payments or interest for the first 12 months, then minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required. |
| FEES | NEW CUSTOMERS: $55 establishment fee | EXISTING CUSTOMERS: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments) |
| HRV FINANCE SURCHARGE | 9% |
| APPLY / FIND OUT MORE | qmastercard.co.nz | farmersmastercard.co.nz | flightcentremastercard.co.nz |
| FULL TERMS & CONDITIONS | No payments and no interest for 12 months (“Payment Holiday”) is available on Long Term Finance (LTF) for in-store purchases only. Min Spend $200. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. At end of interest free period, Q Mastercard Expired Promotional Rate or Q Card Standard Interest Rate of 27.99% p.a. applies. Standard Interest Rate applies to Standard Purchases after 3 months (Q Mastercard 27.89% p.a. and Q Card 27.99% p.a.) Rates and fees correct as at date of publication, subject to change. 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. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. A HRV Finance Surcharge applies. Available until 31st March 2024. |
Pay it on a 6 MONTH INTEREST-FREE PLAN*
| WHY | Ventilate now and spread your payments. |
| MINIMUM SPEND | $250 |
| MAXIMUM SPEND | N/A |
| REPAYMENT AMOUNT | Minimum repayments of 3% of the outstanding monthly balance, or $20 (whichever is more). There are no early repayment fees. |
| FEES | Gem Visa $55 establishment fee and annual fees ($55 Gem Visa (charged $27.50 half yearly) / $55 Gem CreditLine (charged $27.50 half yearly)) apply. |
| FINANCE SURCHARGE | 0% |
| APPLY / FIND OUT MORE | gemfinance.co.nz/credit-cards/gem-visa-card/ |
| FULL TERMS & CONDITIONS | *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)). Prevailing interest rate (currently Gem Visa 28.99% 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. 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. 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. A HRV finance surcharge applies. |
Pay it on a 12 MONTH INTEREST-FREE PLAN*
| WHY | Enjoy a whole year of home comfort |
| MINIMUM SPEND | $250 |
| MAXIMUM SPEND | N/A |
| REPAYMENT AMOUNT | Minimum repayments of 3% of the outstanding monthly balance, or $20 (whichever is more). There are no early repayment fees. |
| FEES | Gem Visa $55 establishment fee and annual fees ($55 Gem Visa (charged $27.50 half yearly) / $55 Gem CreditLine (charged $27.50 half yearly)) apply. |
| HRV FINANCE SURCHARGE | 2% |
| APPLY / FIND OUT MORE | gemfinance.co.nz/credit-cards/gem-visa-card/ |
| FULL TERMS & CONDITIONS | *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)). Prevailing interest rate (currently Gem Visa 28.99% 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. 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. 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. A HRV finance surcharge applies. |
Pay it on a 24 MONTH INTEREST-FREE PLAN*
| WHY | Take it easy and pay it on a 24 month Interest Free Plan |
| MINIMUM SPEND | $500 |
| MAXIMUM SPEND | N/A |
| REPAYMENT AMOUNT | Minimum repayments of 3% of the outstanding monthly balance, or $20 (whichever is more). There are no early repayment fees. |
| FEES | Gem Visa $55 establishment fee and annual fees ($55 Gem Visa (charged $27.50 half yearly) / $55 Gem CreditLine (charged $27.50 half yearly)) apply. |
| HRV FINANCE SURCHARGE | 5% |
| APPLY / FIND OUT MORE | gemfinance.co.nz/credit-cards/gem-visa-card/ |
| FULL TERMS & CONDITIONS | *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)). Prevailing interest rate (currently Gem Visa 28.99% 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. 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. 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. A HRV finance surcharge applies. |
Pay it on a 36 MONTH INTEREST-FREE PLAN*
| WHY | Small monthly payments, big home improvements |
| MINIMUM SPEND | $750 |
| MAXIMUM SPEND | N/A |
| REPAYMENT AMOUNT | Minimum repayments of 3% of the outstanding monthly balance, or $20 (whichever is more). There are no early repayment fees. |
| FEES | Gem Visa $55 establishment fee and annual fees ($55 Gem Visa (charged $27.50 half yearly) / $55 Gem CreditLine (charged $27.50 half yearly)) apply. |
| HRV FINANCE SURCHARGE | 8% |
| APPLY / FIND OUT MORE | gemfinance.co.nz/credit-cards/gem-visa-card/ |
| FULL TERMS & CONDITIONS | *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)). Prevailing interest rate (currently Gem Visa 28.99% 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. 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. 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. A HRV finance surcharge applies. |