Long term payment plans let you break your bigger purchases into flexible monthly repayments.
Pay on a plan with participating Gem credit cards. Minimum spend applies. Monthly payments required. T&Cs, card fees & other charges apply. Exclusions may apply.
Credit provided by Latitude Financial Services Ltd.
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MINIMUM MONTHLY PAYMENTS
- You need to make a minimum payment each month, but have flexibility to make extra payments at any time.
- Paying only the minimum each month will not pay the balance in full before the expiry of the plan.
PAYMENT PLANS
6 MONTHS
Minimum spend $150 for 6 months.
Exclusions may apply.
12 MONTHS
Minimum spend $800 for 12 months.
Exclusions may apply.
Credit and lending criteria and card fees apply, including a Gem Visa $55 establishment fee and annual fees ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly)). Prevailing interest rate (currently Gem Visa 29.49% p.a./Gem CreditLine 29.95% p.a.) applies after any interest free term ends. 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. 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. 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