At Target Furniture 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, 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.

LONG TERM FINANCE PROVIDERS

Q MASTERCARD

12 months interest free is available on Long Term Finance (LTF) purchases (for in-store & online purchases) until further notice.

Minimum spend $499. Exclusions may apply. Lending Criteria, $50 Annual Account fee, Fees, T&Cs apply.

An Establishment fee of $55 (first LTF transaction) or a $35 Advance Fee (subsequent LTF transactions) applies.

Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of interest free period.

Rate and fees correct as at date of publication, subject to change.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
FULL TERMS & CONDITIONS

*12 months interest free is available on Long Term Finance (LTF) purchases (for in-store & online purchases) until further notice.

Minimum spend $499. Lending Criteria, $50 Annual Account fee, Fees, Ts&Cs apply. An Establishment fee of $55(first LTF transaction) or a $35 Advance Fee(subsequent LTF transactions) 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% p.a. applies to any outstanding balance at end of interest free period.

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. Rate and fees correct as at date of publication, subject to change.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

LTF Payment Calculator:
*Indicative monthly repayments: approved applicants only.
The indicative monthly repayment displayed in the finance payment calculator is the purchase amount and establishment fee divided by the number of weeks in the start-up Interest period.
The indicative repayments assume there are no additional purchases, cash withdrawals, fees or charges.
The indicative repayments are only an estimate and figures should be used as an indication only. They do not represent either a quote or pre-qualification or approval.
To repay the purchase amount by the expiry of the Start-up Interest Free Period, the indicative monthly repayments stated would need to be made by the due date for each statement period.

GEM VISA

12 months interest free is available on Long Term Finance (LTF) purchases (for in-store & online purchases) until further notice.

Minimum spend $250. Exclusions may apply. Lending Criteria, $52 Annual Account fee, Fees, T&Cs apply.

An Establishment fee of $55 will be applied to your first LTF transaction only.

Rate and fees correct as at date of publication, subject to change.

*36 Months Interest Free Ends 23/05/2022.
FULL TERMS & CONDITIONS

*Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa/$50 Gem CreditLine).

Prevailing interest rate (currently Gem Visa 25.99% p.a./Gem CreditLine 29.95% p.a.) applies after any interest free term ends.

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. Credit provided by Latitude Financial Services Limited.

Payment Calculator for
$

BUY NOW, PAY LATER

LAYBUY

6 weekly payments

No minimum spend

No fees or interest when you pay on time

You can choose your payment day,
view your pay schedule

Credit Limit will be allocated between $120 - $1500. If the order exceeds your allocated limit, the excess needs to be paid on Day 1.

FULL TERMS & CONDITIONS

* 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.

Laybuy accepts and allocates limits, or declines applications according to their credit policy which includes credit information provided by their partner.

When a customer goes to place a Laybuy order, their account is created and they are assigned a limit. Assigned limits can be anywhere between $120 - $1500.

Before the customer completes their purchase, their payment schedule is shown to them. Laybuy doesn't restrict the amount the customer can spend however if they exceed their limit, they are required to pay the "excess" on Day 1.

This will only ever occur when the total purchase price of the customers items exceeds their limit.

Read the Laybuy full T&Cs here : https://www.laybuy.com/nz/consumer-terms

AFTERPAY

4 BI-weekly payments

Minimum Spend $35

Maximum Spend $2000

No fees or interest when you pay on time

FULL TERMS & CONDITIONS

Afterpay allows you to pay for your purchase over 4 instalments due every 2 weeks. In some cases, Afterpay may require you to make a payment at the time of purchase.

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.

HUMM LITTLE THINGS

FOR PURCHASES UP TO $1000

Pay your balance in 5 payments every 2 weeks or 10 weekly payments

No minimum spend

No fees or interest when you pay on time

FULL TERMS & CONDITIONS

Available Online and Instore

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:

  • Little things for all of your purchases up to $1,000, and Big things for those purchases over $1,000 and all the way up to $10,000.
  • They each have their own set of rules for approval, but no matter what, they never charge interest - ever.

  • 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.

    To view Humm's Terms and Conditions, visit https://www.shophumm.com/nz/terms-and-conditions/

    HUMM BIG THINGS

    FOR PURCHASES UP TO $8000

    Pay over 12 months
    (26 biweekly payments)

    Available for purchases over $1000

    An establishment fee $20 and $2.50 monthly account fee

    FULL TERMS & CONDITIONS

    Available Online and Instore

    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:

  • Little things for all of your purchases up to $1,000, and Big things for those purchases over $1,000 and all the way up to $10,000.
  • They each have their own set of rules for approval, but no matter what, they never charge interest - ever.

  • 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.

    To view Humm's Terms and Conditions, visit https://www.shophumm.com/nz/terms-and-conditions/