What suits one person, won't suit the next: do you want interest free terms, an initial payment holiday, convenient low weekly repayments, an extended loan period or the ability to pay it off early? Have a read through the below and choose how you'd like to purchase with us. As always, if you have any questions give us a bell, we're here to help.
At Humm, they do Buy Now Pay Later a little differently. Instead of just focusing on the little joys in life, they allow customers to fund whatever they need, both big and little.
They have split the product in two:
To view Humm's Terms and Conditions, visit https://www.shophumm.com/nz/terms-and-conditions/
Click here for Humm's Big October T&C's and details: https://www.shophumm.com/nz/campaigns/big-october/
No minimum spend required.
Only pay the normal price of a purchase when you pay on time. No interest charge or additional costs. A late fee may be applied for missed payments.
Laybuy is available to anyone who lives in New Zealand and is at least 18 years old.
Laybuy is available online and in-store in all Target Furniture NZ stores.
To pay using Laybuy, once you have set up a Laybuy account, continue to checkout as normal and select Laybuy as your payment option.
You must be over 18 years old and be the authorised holder of an eligible debit/credit card to apply.
All orders are subject to Afterpay's approval - for example, if you have any overdue payments, Afterpay will not be available to you. For more information on assessment and checks, see Afterpay's terms of service here: https://www.afterpay.com/en-NZ/terms-of-service
As part of the approval process, Afterpay may conduct a pre-authorisation on your nominated card, up to an amount of your first instalment.
You can make repayments to Afterpay any time before the due date. Otherwise, Afterpay will automatically process payments on the scheduled dates from your card. If a payment is not processed on or before the due date, late fees will apply - initial $10 late fee, and a further $7 if the payment remains unpaid 7 days after the due date.
For each order below $40, a maximum of one $10 late fee may be applied per order. For each order of $40 or above, the total of the late fees that may be applied are capped at 25% of the original order value or $68, whichever is less.
Head instore to talk to a sales representative about your options with Q Mastercard .
Minimum spend $499. Annual Account Fee of $50 applies.
New Cardholder fees - $55 Establishment. Existing Cardholder fee - $35 Advance. 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. or applies to any outstanding balance at end of interest free period. Lending criteria, fees, terms and conditions apply.
Rate and fees correct as at date of publication, subject to change. Long Term Finance option available in-store only.
To pay using Q MasterCard (3 Months Interest Free) simply use as a regular credit card when paying online & in store.
New Year Sale 48 Months Interest Free
Available on Long Term Finance(LTF) purchases until 17/01/22.
* Minimum spend $499 using Gem Visa or Gem CreditLine.
Normal credit and lending criteria and fees apply.
Minimum monthly repayments must be made during the interest free period.
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.
Prevailing interest rate (currently 25.99% p.a. Gem Visa/29.95% p.a. Gem CreditLine) applies to any outstanding balance on the expiry of the interest free period.
Credit provided by Latitude Financial Services Limited.
To pay using Gem Visa simply use as a regular credit card when paying online & in store.
12 month interest free option available in store only.
* Take your purchase home now and pay it off at a regular fixed amount that is affordable for you. The term and payments are fixed to suit your budget, and your loan is paid off in full with the final payment.
* Includes an initial 18 month interest free and no repayment period, followed by another 18 month interest bearing period, available on all purchases over $499.
Interest of 21.95%pa is accrued on the outstanding balance from the start of the interest bearing term.
A $55 booking fee and a $1.80 monthly service fee apply.
Optional Consumer Protection Insurance (CPI) is available.
Full disclosure is provided in the Finance Now disclosure statement prior to your purchase.
All finance is subject to Finance Now terms and conditions and approval criteria.
Available in stores only.