60 Months Interest Free*

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*Terms and conditions apply. See below

*60 months interest free is available on Long Term Finance (LTF) for in-store purchases $500 and over. 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. 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 28.50% p.a. applies to outstanding balance at the end of LTF Interest Free Period. 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.

Payment Options

We make heat pump solutions easy. Get flexible interest-free payment terms from third-party financiers on EES heat pumps. Terms and conditions apply, see below for details. EES may receive a payment or rebate if you choose to use third-party financing.

Q Card

Interest Free Options

GEM Visa

Interest Free Options

	6 months No payments & no interest	12 months No payments & no interest	24 months Interest free, with no payments for the first 12 months	48 months Interest free, with no payments for the first 12 months	60 months Interest free
WHY	A little extra breathing space for 6 months, at no extra cost	Paws your payments, with nothing to pay for 12 months!	2 years interest free, with no payments for the first 12 months – get your home air-conditioned now, and take your time to pay it back	Have a break from repayments for 12 months, and then a further 36 months with no interest!	Enjoy you Air-conditioned home now and Pay no Interest for 60 months!
MINIMUM SPEND	$200	$200	$500	$500	$500
MAXIMUM SPEND	Up to $50,000 (Lending Criteria applies)	Up to $50,000 (Lending Criteria applies)	Up to $50,000 (Lending Criteria applies)	Up to $50,000 (Lending Criteria applies)	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.	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.	"No payments or interest for the 12 months, then minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required."	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.	No interest for the first 60 months, minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout the interest free period.
FEES	No Advance Fee or Establishment Fees	NEW CUSTOMERS: $55 establishment fee \| EXISTING CUSTOMERS: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments)	NEW CUSTOMERS: $55 establishment fee \| EXISTING CUSTOMERS: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments)	NEW CUSTOMERS: $55 establishment fee \| EXISTING CUSTOMERS: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments)	NEW CUSTOMERS: $55 establishment fee \| EXISTING CUSTOMERS: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments)
EES FINANCE SURCHARGE	0%	2%	4%	9%	10%
APPLY / FIND OUT MORE	qmastercard.co.nz farmersmastercard.co.nz flightcentremastercard.co.nz	qmastercard.co.nz farmersmastercard.co.nz flightcentremastercard.co.nz	qmastercard.co.nz farmersmastercard.co.nz flightcentremastercard.co.nz	qmastercard.co.nz farmersmastercard.co.nz flightcentremastercard.co.nz	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. 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. Standard Interest Rate of 28.50% p.a. applies to outstanding balance at the end of LTF Interest Free Period. 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 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 28.50% p.a. applies. Standard Interest Rate applies to Standard Purchases after 3 months (Q Mastercard 28.50% p.a. and Q Card 28.50% 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. An EES Finance Surcharge applies.	*No payments and no interest for 12 months (“Payment Holiday”) and no interest for a further 24 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 28.50% p.a. applies. Standard Interest Rate applies to Standard Purchases after 3 months (Q Mastercard 28.50% p.a. and Q Card 28.50% 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. An EES Finance Surcharge applies.	*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 28.50% p.a. applies. Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout Further 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 applies to Standard Purchases after 3 months (Q Mastercard 28.50% p.a. and Q Card 28.50% 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. An EES Finance Surcharge applies. Available until 30th June 2024.	*60 months interest free is available on Long Term Finance (LTF) for in-store purchases $500 and over. 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. 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. Q Mastercard Expired Promotional Rate or Q Card Standard Interest Rate (both 28.50% p.a.) applies at the end of LTF Interest Free Period. (See Ts&Cs for Q Mastercard Standard Interest Rate applicable to outstanding balance of a Standard Purchase.) 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. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. An EES Finance Surcharge applies. Available until 30th June 2024.

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
EES 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. 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. Standard Interest Rate of 28.50% p.a. applies to outstanding balance at the end of LTF Interest Free Period. 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.

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)
EES 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 28.50% p.a. applies. Standard Interest Rate applies to Standard Purchases after 3 months (Q Mastercard 28.50% p.a. and Q Card 28.50% 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. An EES Finance Surcharge applies.

24 months
Interest free, with no payments for the first 12 months

WHY	2 years interest free, with no payments for the first 12 months – get your home air-conditioned 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 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)
EES 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”) and no interest for a further 24 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 28.50% p.a. applies. Standard Interest Rate applies to Standard Purchases after 3 months (Q Mastercard 28.50% p.a. and Q Card 28.50% 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. An EES Finance Surcharge applies.

48 months
Interest free, with no payments for the first 12 months

WHY	Have a break from repayments for 12 months, and then a further 36 months with no interest!
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)
EES 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”) 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 28.50% p.a. applies. Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout Further 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 applies to Standard Purchases after 3 months (Q Mastercard 28.50% p.a. and Q Card 28.50% 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. An EES Finance Surcharge applies. Available until 30th June 2024.