- Book a free HRV home assessment.
- Visit gemfinance.co.nz/credit-cards/gem-visa-card to apply for your GEM Visa.
Pay it on a 24-month Instalment Interest Free plan*
*Terms and Conditions apply. See below for full details.
How to get finance using GEM Visa
Book your free assessment now
HRV’s latest GEM Visa finance offers
Pay it on a 6 MONTH INTEREST-FREE PLAN*
| WHY | |
| 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 ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly)) apply. |
| HRV 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 ($65 Gem Visa (charged $32.50 half yearly). Prevailing interest rate currently with Gem Visa of 29.49% p.a. applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of $2 Gem Visa applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Ltd. |
Pay it on a 12 MONTH INTEREST-FREE PLAN*
| WHY | |
| 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 ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly)) apply. |
| HRV 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 ($65 Gem Visa (charged $32.50 half yearly). Prevailing interest rate currently with Gem Visa of 29.49% p.a. applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of $2 Gem Visa applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Ltd. |
Pay it on a 24-month Instalment Interest Free plan*
| REPAYMENT CALCULATOR | gemfinance.co.nz/repayment-calculator/ Not available on Promotional or Discounted Sales. |
| MINIMUM SPEND | $500 |
| MAXIMUM SPEND | N/A |
| REPAYMENT AMOUNT | Pay it off in equal monthly installments. There are no early repayment fees. |
| FEES | 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. |
| HRV FINANCE SURCHARGE | 0% |
| APPLY / FIND OUT MORE | gemfinance.co.nz/credit-cards/gem-visa-card/ |
| FULL TERMS & CONDITIONS | *24 months of equal interest free instalments with Gem Visa as an instalment plan advance. Amount payable will be shown on your monthly statement. Credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees $65 Gem Visa (charged $32.50 half yearly). Prevailing interest rate currently with Gem Visa of 29.49% 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 applies. Further information on rates and fees can be found at gemfinance.co.nz. Available on participating Gem Visa credit cards only. New customers must apply and be approved for a Gem Visa credit card. Credit provided by Latitude Financial Services Limited. Offer valid to the 30/04/2026. |
Pay it on a 36 MONTH INTEREST-FREE PLAN*
| WHY | Not available on Promotional or Discounted Sales. |
| 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 ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly)) apply. |
| HRV 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 ($65 Gem Visa (charged $32.50 half yearly). Prevailing interest rate currently with Gem Visa of 29.49% p.a. applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of $2 Gem Visa applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Ltd. Not available on Promotional or Discounted Sales. |