Easy Finance

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Gem Visa is a general-purpose credit card. It gives 6 months interest-free on all Visa purchases over $250. It may also be used for long term retail finance in around 2000 participating stores throughout New Zealand.

You must:
Be 18 years or over
Be a permanent resident of New Zealand
Able to supply:
Passport or Driver’ s License
Income and expense details
Employer’ s name and contact details
Your email address

Learn more

*Terms and conditions 

*Normal credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa / $50 Gem CreditLine), apply. 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. Prevailing interest rate (currently Gem Visa 25.99% p.a./ Gem CreditLine 29.95% p.a.) applies to any remaining balance on the expiry of the interest free period. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.



Q Card

36 Months Interest Free* with Q & Q MasterCard!


On in-store purchases $1,000 & over. Exclusions may apply. Lending criteria, $50 Annual Account Fee, fees, Ts&Cs apply. Standard Interest Rate (currently 25.99% p.a.) applies to any outstanding balance at end of interest free period.$55 Establishment Fee or $35 Advance Fee applies to Long Term Finance Purchases. 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. 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 and the circles design are registered trademarks of Mastercard International



Don’t have an account? Click here to apply!




What is Humm?
Humm helps everyday New Zealanders Buy Now Pay Later. Our payment plans are great value because humm customers pay no interest ever.

Who can use Humm?
Be 18 years or older.
Be a permanent resident of New Zealand.
Have a permanent job (at least 25 hours a week) or be on a New Zealand Super or Veteran’s Pension.
Be sure you’re not insolvent (or declared bankrupt).
Have a valid New Zealand driver licence or passport.

I want to humm! Where do I start?
This bit\'s super simple. First things first: depending on whether you\'re an Apple or Android person, go to either the App Store or Google Play and download the App.
Once you\'ve got the App running, just follow the steps and you\'ll be good to go.

How do I shop with humm?
Humm is fast and simple to use no matter where you prefer to shop. Online, simply select humm at checkout and you will be taken through to humm to confirm your payment.

Learn more > https://www.shophumm.com/nz/




Who can use Afterpay?
Afterpay is available as a payment option if you:

Are over over 18 years of age
Live in New Zealand
Have a valid and verifiable email address and mobile number
Use a New Zealand credit or debit card to make the purchase
First time users will need to create an account.

Split your purchase into 4 equal instalments
Pay for your purchase over 4 instalments, due every two weeks. You’ll pay your first installment at the time of purchase, and the remainder over time.

Pay nothing extra when you pay on time
Afterpay is always zero interest, and there are never additional fees when you pay on time. The only fees are for late payments. Afterpay will email your payment schedule and send notifications so there are no surprises.

Enjoy instant approval decision and shipment
You’ll know you’ve been approved within seconds. Orders ship as they would with any other form of payment, as quickly as you choose. Delay the pay, not your gratification.

Learn more > https://www.afterpay.com/en-NZ/index?soft_redirect=true



Zip account
Apply in minutes for your Zip account online, via checkout or using our mobile app.

Pay in 4
Get it now, but spread your purchase across 4 equal fortnightly payments.

Interest free
Every purchase you make with Zip is interest free. Online or instore.

How does Zip work?
Zip allows you to make purchases and take your goods straight away, but pay 25% up-front with the rest charged over 3 fortnightly interest free instalments.

How do I sign up with Zip?
You can sign up when checking out on TheMarket or at zip.co/nz. The sign-up process takes 2-3 minutes and you need to be 18 years or older and have an NZ debit or credit card.

What if I don’t have an NZ Driver Licence or get an ID failed message when applying?
Zip needs to identify you. You can get manually ID verified as part of the signup or checkout process with other forms of ID (this process can take up to 24 hours) so just follow the prompts.

Are there any hidden fees?
There are no fees and interest costs to shop with Zip if you make your payments on time. If you miss a payment you will be charged an $8 default fee per week it is late (capped at $40 total late fees per purchase).

Why can’t I shop with Zip again straight away?
If you are a new Zip customer, you will need to wait until your 2nd instalment has been paid (2 weeks after purchase) before you can shop with Zip again.

Learn more > https://zip.co/nz





1. Sign up for free
This usually takes a couple of minutes to complete and you will just need to have a valid NZ drivers license or NZ Passport.
2. Choose Genoapay when shopping
Genoapay is fully integrated with the stores payment process. They will set up the payment for you in person via text message, or automatically if you check out with Genoapay online.
3. Confirm the payment
Lastly you will just need to confirm your payment plan then enter your credit or debit card details to pay your first instalment and activate your plan. Learn more

How does Genoapay work?

Genoapay gives you the ability to convert any purchase into a 10 week instalment plan, so you can pay for what you need over time, with no interest, and no fees.

We take the first instalment when you commit to a purchase, with the remaining balance being processed weekly over the agreed term.

Who can use Genoapay?

You will need to be at least 18 years of age, hold a valid New Zealand drivers licence or New Zealand passport, and have a debit or credit card.

Learn more > https://www.genoapay.com/