12 months interest free on a Gem Visa credit card*
Available on a Gem Visa credit card. Minimum purchase $250. Minimum monthly payments required. Exclusions may apply. Lending criteria, T&Cs and fees apply, including a $55 establishment fee and $65 annual fee ($32.50 half-yearly). Standard interest rate (currently 29.49% p.a.) applies after the interest-free term ends.
GEM Terms & Conditions*
12 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 $65 annual fee ($32.50 half-yearly). Minimum purchase $250. During this period, no interest will accrue, and no monthly payments are due. 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. Standard interest rate (currently 29.49% p.a.) applies after any interest-free term ends - credit provided by Latitude Financial Services Limited. Paying only the minimum monthly repayment of 3% of the outstanding monthly balance, or $20 (whichever is greater), may not be sufficient to repay the purchase amount(s) during the interest-free term. Further information on rates and fees can be found at gemfinance.co.nz.
24 months interest free with Q Card*
Pay no interest and no payment for 24 months* on purchases over $200 when you choose Pay With Q Card instore.
*Q Card Terms & Conditions:
24 months interest-free is available on Long Term Finance (LTF) for in-store purchases only. Min spends $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. Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout 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 the outstanding balance at the end of the LTF interest-free period. Other interest rates and fees may apply. Rates and fees subject to change. New customers need to apply and be approved for a Q Mastercard credit card. 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.
E-Bike Finance
E-bikes are one of the biggest cycling purchases you'll make, and interest-free finance makes them a lot more manageable. Whether you're looking at a commuter e-bike for the daily ride or a full-suspension electric mountain bike, you can spread the cost over 12 or 24 months with no interest. With models starting from under $3,000 and going up to $15,000+, finance lets you get the bike that actually fits your needs rather than settling for less.
Interest-Free Mountain Bike Finance
A quality mountain bike is an investment, and interest-free finance means you don't have to compromise on spec to stay within budget. Whether you're after a hardtail to get started or a full-suspension trail bike, you can finance your purchase over 12 or 24 months with no interest through Gem Visa or Q Mastercard. Available in-store at Papanui, Rangiora, and St Martins.
How to Apply
Applying is straightforward and can be done before you visit or in-store on the day.
For Gem Visa, apply online at gemfinance.co.nz. Once you apply, Gem will respond within 60 seconds, and if approved, you can start shopping straight away using the instant cardless payment feature. You'll need to be 18 or over, a permanent NZ resident, and have a passport or driver's licence handy.
For Q Mastercard, apply online at qcard.co.nz or in-store at any Pushbikes location. Once approved, you can load your Q Mastercard to your digital wallet straight away and shop today. Lending criteria and a $50 annual account fee apply.
