- Book a free HRV home assessment.
- Visit qmastercard.co.nz to apply for your Q Mastercard.
500 Days Interest Free + No Finance Surcharge!*
*Terms and conditions apply. See below for full details.
How to get finance using Q Mastercard
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HRV’s latest Q Mastercard finance offers
6 MONTHS NO PAYMENTS & NO INTEREST
| WHY | A little extra breathing space for 6 months, at no extra cost |
| MINIMUM SPEND | $200 |
| MAXIMUM SPEND | Up to $50,000 (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 |
| HRV FINANCE SURCHARGE | 0% |
| APPLY / FIND OUT MORE | qmastercard.co.nz farmersmastercard.co.nz flightcentremastercard.co.nz |
| FULL TERMS & CONDITIONS | *6 Months No Payment & No Interest (“Payment Holiday”) is available on Long Term Finance (LTF) for in-store purchases only. New customers need to apply and be approved for a Q Mastercard credit card. 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. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF 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 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. No Finance Surcharge. |
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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 | *12 Months No Payment & No Interest (“Payment Holiday”) is available on Long Term Finance (LTF) for in-store purchases only. New customers need to apply and be approved for a Q Mastercard credit card. 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. 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 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. A Finance Surcharge applies. Offer valid to 02/02/2026. |
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500 Days
| WHY | 500 Days Interest FREE! |
| MINIMUM SPEND | $500 |
| MAXIMUM SPEND | Up to $50,000 (Lending Criteria applies) |
| REPAYMENT AMOUNT | No interest for the first 17 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 | 0% |
| APPLY / FIND OUT MORE | qmastercard.co.nz farmersmastercard.co.nz flightcentremastercard.co.nz |
| FULL TERMS & CONDITIONS | *500 Days/17 Months Interest Free is available on Long Term Finance for in-store purchases only. Min spend $500. New customers need to apply and be approved for a Q Mastercard credit card. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first Long Term Finance 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. 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 No Finance Surcharge. Offer valid to 02/02/2026 |
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24 MONTHS INTEREST FREE, WITH NO PAYMENTS FOR THE FIRST 12 MONTHS
| WHY | 2 years interest free, with no payments for first 12 months – 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 | *24 Months Interest Free with No Payments (“Payment Holiday”) for the first 12 Months is available on Long Term Finance (LTF) for in-store purchases only. New customers need to apply and be approved for a Q Mastercard credit card. Min Spend $500. 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 once the no payments / payment holiday period has ended and throughout the remainder of the 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. 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. A Finance Surcharge applies. Offer valid to 02/02/2026. |
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34 MONTHS NO INTEREST (1000 Days)
| WHY | 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 | 5% |
| APPLY / FIND OUT MORE | qmastercard.co.nz farmersmastercard.co.nz flightcentremastercard.co.nz |
| FULL TERMS & CONDITIONS | *1000 Days/34 Months Interest Free is available on Long Term Finance for in-store purchases only. Min spend $500. New customers need to apply and be approved for a Q Mastercard credit card. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first Long Term Finance 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. 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 A Finance Surcharge applies. Offer valid to 02/02/2026. |
Book your free assessment