Payment options
We make heat pump solutions easy with flexible payment plans that offer up to 34 months interest free. And for the small things like a service and filter changes you can spread your payments out for up to 10 weeks with the help of Humm. Terms and conditions apply, see below for details.
| WHY | Interest Free repayment plan to spread the cost Love it forever. Pay interest never. |
|---|---|
| MINIMUM SPEND | $20 |
| MAXIMUM SPEND | $8,000 on Big Things |
| REPAYMENT AMOUNT |
Repayment term is decided by your spend:
20% deposit payable immediately on all terms *A Big Things Wallet is required. |
| FEES | Lending criteria, $10 late fee, T&Cs apply. An establishment fee of $20 and a $2.50 monthly account fee applies to humm Big Things only. |
| HRV FINANCE SURCHARGE | 3.5% |
| APPLY / FIND OUT MORE | shophumm.com/nz |
| FULL TERMS & CONDITIONS |
Lending criteria, $10 late fee, T&Cs apply. An establishment fee of $20 and a $2.50 monthly account fee applies to humm Big Things only. |
6 months
No Payments &
No Interest
No Payments &
No Interest
| WHY | A little extra breathing space for 6 months, at no extra cost |
|---|---|
| MINIMUM SPEND | $200 |
| MAXIMUM SPEND | Up to $30,000 (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 |
| FULL TERMS & CONDITIONS | *No payments and no interest for 6 months (“Payment Holiday”) is available on Long Term Finance (LTF) purchases for in-store purchases only until further notice. Minimum spend $200. Annual Account Fee of $50 applies. Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of Payment Holiday. Lending criteria, fees, Ts&Cs apply. Rate correct as at date of publication, subject to change Columbus Financial Services Limited or Consumer Finance Limited (as applicable) reserve the right to amend, suspend or terminate the offer and these terms and conditions at any time without notice. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated |
12 months
No Payments &
No Interest
No Payments &
No Interest
| WHY | Enjoy total payment flexibility, with nothing to pay for 12 months! |
|---|---|
| MINIMUM SPEND | $200 |
| MAXIMUM SPEND | Up to $30,000 (Lending Criteria applies) |
| REPAYMENT AMOUNT | No payments or interest for the first 12months, then minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. |
| FEES | NEW CUSTOMERS: $55 establishment fee | EXISTING CUSTOMERS: $35 advance 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 | *No payments and no interest for 12 months (“Payment Holiday”) is available on Long Term Finance (LTF) purchases for in-store purchases only until further notice. Minimum spend $200. Annual Account Fee of $50 applies. An Establishment fee of $55 applies to your first LTF transaction, a $35 Advance Fee applies to all subsequent LTF transactions.Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of Payment Holiday. Lending criteria, fees, Ts&Cs apply. Rate and fees correct as at date of publication, subject to change Columbus Financial Services Limited or Consumer Finance Limited (as applicable) reserve the right to amend, suspend or terminate the offer and these terms and conditions at any time without notice. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. A HRV Surcharge of 2% applies. |
24 months Interest Free,
No Payments for the first 12 months
No Payments for the first 12 months
| WHY | Extra breathing space with 2 years interest free, and nothing to pay for the first 12 months. |
|---|---|
| MINIMUM SPEND | $200 |
| MAXIMUM SPEND | Up to $30,000 (Lending Criteria applies) |
| REPAYMENT AMOUNT | No payments or interest for the first 12months, then minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. |
| FEES | NEW CUSTOMERS: $55 establishment fee | EXISTING CUSTOMERS: $35 advance fee $50 (payable in 2 x $25 6-monthly installments) |
| HRV FINANCE SURCHARGE | 3% |
| 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 12 months (“Further Interest Free Period”) is available on Long Term Finance (LTF) Purchases for instore purchases only until further notice. Minimum purchase $200. Annual Account Fee of $50 applies. Establishment fee of $55 applies to new cardholders. Advance fee of $35 applies to existing cardholders. Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout the Further Interest Free Period. Paying only the minimum monthly payments will not fully repay the loan before the end of the Further Interest Free Period. Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of the Further Interest Free Period. Lending criteria, fees, Ts&Cs apply. Rate and fees correct as at date of publication, subject to change. Columbus Financial Services Limited or Consumer Finance Limited (as applicable) reserve the right to amend, suspend or terminate the offer and these terms and conditions at any time without notice. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. A HRV Surcharge of 3% applies. |
34 months Interest Free
| WHY | 1000 days with no interest! Spread the cost with 34 months interest free. |
|---|---|
| MINIMUM SPEND | $200 |
| MAXIMUM SPEND | Up to $30,000 (Lending Criteria applies) |
| REPAYMENT AMOUNT | Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. |
| FEES | NEW CUSTOMERS: $55 establishment fee | EXISTING CUSTOMERS: $35 advance fee $50 (payable in 2 x $25 6-monthly installments) |
| HRV FINANCE SURCHARGE | 3% |
| APPLY / FIND OUT MORE | qmastercard.co.nz farmersmastercard.co.nz flightcentremastercard.co.nz |
| FULL TERMS & CONDITIONS | *1000 days (34months) interest free is available on Long Term Finance (LTF) purchases for in-store purchases until further notice. Minimum spend $200. Annual Account fee of $50 applies. An Establishment fee of $55 applies to your first LTF transaction, a $35 Advance Fee applies to all subsequent LTF transactions. Minimum 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, currently 25.99% p.a. applies to any outstanding balance at end of interest free period. Lending criteria, fees, Ts&Cs apply. Rate and fees correct as at date of publication, subject to change. Columbus Financial Services Limited or Consumer Finance Limited (as applicable) reserve the right to amend, suspend or terminate the offer and these terms and conditions at any time without notice. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. A HRV Surcharge of 3% applies. |
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| humm Little & Big Things | 6 months no payments & no interest | 12 months No Payments & No Interest | 24 months Interest Free, with No Payments for the first 12 months | 34 months Interest Free | |
| WHY |
Interest Free repayment plan to spread the cost.
|
A little extra breathing space for 6 months, at no extra cost. | Enjoy total payment flexibility, with nothing to pay for 12 months! | Extra breathing space with 2 years interest free, and nothing to pay for the first 12 months. | 1000 days with no interest! Spread the cost with 34 months interest free. |
| MINIMUM SPEND | $20 | $200 | |||
| MAXIMUM SPEND | $8,000 on Big Things | Up to $30,000 (Lending Criteria applies) | |||
| REPAYMENT AMOUNT |
Repayment term is decided by your spend:
20% deposit payable immediately on all terms. *A Big Things Wallet is required. |
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 12months, then minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. | Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. | |
| FEES | Lending criteria, $10 late fee, T&Cs apply. An establishment fee of $20 and a $2.50 monthly account fee applies to humm Big Things only. | No Advance Fee or Establishment Fees. | NEW CUSTOMERS: $55 Establishment Fee / EXISTING CUSTOMERS: $35 Advance Fee. Annual Cardholder Fee $50 (Payable in 2x $25 6-monthly instalments). | ||
| HRV FINANCE SURCHARGE |
3.5% |
0% | 2% | 3% | |
| APPLY / FIND OUT MORE | www.shophumm.com/nz | www.qmastercard.co.nz | qmastercard.co.nz farmersmastercard.co.nz flightcentremastercard.co.nz |
||
| FULL TERMS & CONDITIONS |
Lending criteria, $10 late fee, T&Cs apply. An establishment fee of $20 and a $2.50 monthly account fee applies to humm Big Things only. |
*No payments and no interest for 6 months (“Payment Holiday”) is available on Long Term Finance (LTF) purchases for in-store purchases only until further notice. Minimum spend $200. Annual Account Fee of $50 applies. Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of Payment Holiday. Lending criteria, fees, Ts&Cs apply. Rate correct as at date of publication, subject to change Columbus Financial Services Limited or Consumer Finance Limited (as applicable) reserve the right to amend, suspend or terminate the offer and these terms and conditions at any time without notice. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. | *No payments and no interest for 12 months (“Payment Holiday”) is available on Long Term Finance (LTF) purchases for in-store purchases only until further notice. Minimum spend $200. Annual Account Fee of $50 applies. An Establishment fee of $55 applies to your first LTF transaction, a $35 Advance Fee applies to all subsequent LTF transactions.Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of Payment Holiday. Lending criteria, fees, Ts&Cs apply. Rate and fees correct as at date of publication, subject to change Columbus Financial Services Limited or Consumer Finance Limited (as applicable) reserve the right to amend, suspend or terminate the offer and these terms and conditions at any time without notice. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. A HRV Surcharge of 2% applies. | *No payments and no interest for 12 months (“Payment Holiday”) and no interest for a further 12 months (“Further Interest Free Period”) is available on Long Term Finance (LTF) Purchases for instore purchases only until further notice. Minimum purchase $200. Annual Account Fee of $50 applies. Establishment fee of $55 applies to new cardholders. Advance fee of $35 applies to existing cardholders. Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout the Further Interest Free Period. Paying only the minimum monthly payments will not fully repay the loan before the end of the Further Interest Free Period. Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of the Further Interest Free Period. Lending criteria, fees, Ts&Cs apply. Rate and fees correct as at date of publication, subject to change. Columbus Financial Services Limited or Consumer Finance Limited (as applicable) reserve the right to amend, suspend or terminate the offer and these terms and conditions at any time without notice. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. A HRV Surcharge of 3% applies. | *1000 days (34months) interest free is available on Long Term Finance (LTF) purchases for in-store purchases until further notice. Minimum spend $200. Annual Account fee of $50 applies. An Establishment fee of $55 applies to your first LTF transaction, a $35 Advance Fee applies to all subsequent LTF transactions. Minimum 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, currently 25.99% p.a. applies to any outstanding balance at end of interest free period. Lending criteria, fees, Ts&Cs apply. Rate and fees correct as at date of publication, subject to change. Columbus Financial Services Limited or Consumer Finance Limited (as applicable) reserve the right to amend, suspend or terminate the offer and these terms and conditions at any time without notice. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. A EES Surcharge of 3% applies. |