Purchase options have never been so easy or so simple to tailor to your needs. At Target we don’t believe there is only one finance option that fits all, instead we help you find the Finance option that best suits you and your unique situation.

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.
Our Finance Providers



Multiple options available *
Head instore to talk to a sales representative about your options with Q Card.
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.



Online & In Store *
* 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.



18 Months Interest Free & No Repayments, followed by a further 18 months to pay. *

* 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.



* Receive your purchase now and spread the total cost over 6 weekly automatic payments. Interest free!

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.
For professional financial advice, we suggest you either contact the finance company or your financial adviser