Been putting off getting renovations done?
With our 18 Months Interest Free Finance Option, you can enjoy your new home and stress less.
If you’re still saving up for a renovation or looking to get finance from the bank (to take advantage of the low-interest rates) – There’s no need to wait for your new renovation to start when you can take advantage of our no interest long term finance for up to 18 months! Ask our team about interest-free finance to see if you qualify. Ask about our extended finance deals as they change each month. We recommend any outstanding balances are paid off before any interest free periods end.
*Lending criteria, fees, terms and conditions apply. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
What is it?
Take advantage of Flexible payment offers. 18 Months Interest Free offer on purchases over $20,000 or 12 Months Interest Free for sales over $10,000 or 6 Months Interest free for sales over $200
What is interest free?
Interest free lets you renovate your home and pay for it over time. A minimum payment of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period.
Who can use it?
If you already have a Q-Card, you are entitled to 18 Months Interest-Free on full priced renovation projects, $20,000 or over. You’ll need to let the team know at time of booking so we know you want this service when you book your on-site consultation.
If you are not a Q Cardholder you can apply online, using the link below. You will be charged an account fee if your application is approved.
How Does It Work?
Q-Card has made it easy for our clients to apply and get approved. Renovate Now, Pay Later.
“Applying for my Q Card was so easy, the hardest part was deciding where to renovate first! And knowing I have 18 months to pay it off made it even better!”
Jeff Whitaker, Auckland
Frequently Asked Questions
Common Questions About Our Interest-Free Finance Offer
What fees will I get charged when I apply for Q?
If your application is approved, an annual account fee of $50 applies. An establishment fee of $55 is charged when you open your account in-store and use long-term finance (such as our 18 Months Interest-Free Offer), or a $35 Advance fee applies for Existing Cardholders.
If I need help completing the form online, who can I call?
Please call the Q Mastercard Customer Support team on 0800 119 100
What is the difference between Q Card and Q Mastercard?
You can't actually apply for a Q Card anymore. The fabulous team at Q have combined all the best bits of Q Card and Mastercard to create Q Mastercard. When you have an approved Q Mastercard, you'll get access to the long-term finance.
What if I'm applying for less then $10,000?
You'll actually get approved a lot quicker, you'll generally receive a result within 5 minutes.
What if I'm applying for more than $10,000+?
The process for $10,000 + takes normally 3-5 days to process, and you'll need to also fill in a statement of financial position which requires a bit more information around your personal finances
What does the payment plan look like?
Here's a snapshot of what it would look like if you renovated with us (with a Project Value of $18,500) on a 6 & 18 month term interest-free finance
6 Months
- Renovation Cost – $18,500
- Annual Account Fee – $50
Annual Account Fee Applies, paid in 6 monthly instalments
($25 applied on opening and every six months thereafter) - New Cardholder Fee – $55
$35 for Existing Cardholders -
Total Paid: $18,605
18 Months (Most Popular)
- Renovation Cost – $18,500
- Annual Account Fee – $75
$50 Annual Account Fee Applies, paid in 6 monthly instalments
$25 applied on opening and every six months thereafter - New Cardholder Fee – $55
$35 for Existing Cardholders -
Total Paid: $18,630
Please note: 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.
The figures above are only to provide you an example based calculations made at the time of creating it (November, 2020), rates/fees/terms and conditions are subject to change at any time by Q-Card. Please refer to Terms and Fees on Q-Cards website for up to date information.
LETS GET STARTED - You'll need around five minutes
Want to see if you qualify? Fill in your details below to be taken to the application page - there's no obligation to proceed or renovate.
Please note: Lending criteria, fees, terms and conditions apply.
Terms and Conditions
Things to know
- 18 months interest-free is available on Q Mastercard® and Q Card Flexi Payment Plans & Purchases for full price renovation projects only.
- Offer is ongoing.
- Minimum purchase $985
- Offer available to only Auckland clients.
- A $55 Establishment fee applies for New Cardholders or a $35 Advance fee applies for Existing Cardholders.
- A $50 Annual Account fee applies.
- 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% pa, applies to any outstanding balance at the end of the of the interest free period.
- Lending criteria, fees, terms and conditions apply.
- Rate and fees are correct at the time of publication but are subject to change.
- Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
- 18 months interest-free with Q cannot be used with Afterpay.
- 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
