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. Q Mastercard Expired Promotional Rate or Q Card Standard Interest Rate (both 27.99% 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.) An HRV Surcharge of 10% applies. See below for details.

Payment Options

We make heat pump solutions easy with flexible interest-free payment plans that make it easier to warm your home. Terms and conditions apply, see below for details.

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 bit of breathing space with no payments and no interest for 6 months.	Pause your payments, with nothing to pay for 12 months!	Keep your home warm and cool, and take your time to pay it back.	Enjoy no payments for the first 12 months with no interest for a further 36 months.	Enjoy your 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. At end of interest free period, Q Mastercard Expired Promotional Rate or Q Card Standard Interest Rate of 27.99% p.a. applies. Standard Interest Rate applies to Standard Purchases after 3 months (Q Mastercard 27.89% p.a. and Q Card 27.99% 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.	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 27.99% p.a. applies. Standard Interest Rate applies to Standard Purchases after 3 months (Q Mastercard 27.89% p.a. and Q Card 27.99% 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 31th March 2024.	*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 27.99% p.a. applies. Standard Interest Rate applies to Standard Purchases after 3 months (Q Mastercard 27.89% p.a. and Q Card 27.99% 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 31th March 2024.	*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 27.99% 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 27.89% p.a. and Q Card 27.99% 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 31th March 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 27.99% 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 31th March 2024.

6 months
No payments & no interest

WHY	A little bit of breathing space with no payments and no interest for 6 months.
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. At end of interest free period, Q Mastercard Expired Promotional Rate or Q Card Standard Interest Rate of 27.99% p.a. applies. Standard Interest Rate applies to Standard Purchases after 3 months (Q Mastercard 27.89% p.a. and Q Card 27.99% 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.

12 months
No payments & no interest

WHY	Pause 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 27.99% p.a. applies. Standard Interest Rate applies to Standard Purchases after 3 months (Q Mastercard 27.89% p.a. and Q Card 27.99% 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 31th March 2024.

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

WHY	Keep your home warm and cool, 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 27.99% p.a. applies. Standard Interest Rate applies to Standard Purchases after 3 months (Q Mastercard 27.89% p.a. and Q Card 27.99% 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 31th March 2024.

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

WHY	Enjoy no payments for the first 12 months with no interest for a further 36 months.
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 27.99% 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 27.89% p.a. and Q Card 27.99% 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 31th March 2024.