We offer you a range of Buy Now, Pay Later options for your convenience.
Getting the indoor or outdoor furniture you want has never been easier!
Flexible Payment Options Available. Just pop into the store or inquire us about the payment options.

Long Term Finance Options*

Pay weekly with Finance Now

Our Fixed-term, Fixed-Payment ‘pay weekly’ option is provided by Finance Now. Pay using ‘pay weekly’ so you can take your purchase home now and pay it off at a regular fixed amount that is affordable for you. Using pay weekly means that the term and payments are fixed to suit your budget, and your loan is paid off in full so there are no extra fees or interest.

*Normal credit and lending criteria fees, includes a $1.80 monthly service fee and a $55 establishment fee (excludes optional Payment Protection Insurance). An Interest Rate of 19.90% applies to the outstanding balance at the expiry of any interest-free and/or deferred period. Details of finance (including weekly payments, the total amount repayable over the term of the loan, interest rate and any applicable fees) can be confirmed with a detailed quote in store. Full disclosure of all of the terms of your finance will also be provided to you in the Finance Now disclosure statement for your consideration prior to confirmation of your purchase. All finance is subject to Finance Now terms and conditions and approval criteria.

Pay the clever way. Shop Now, Pay Later

If you have a Gem Visa card, you can use it at the checkout like any other Visa or Mastercard credit card. Simply select the Visa/Mastercard option, enter your card details and you’re done!

Interest Free Fixed Terms – Minimum Monthly Payments Required

*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.

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For buying the things that matter

Q Card | Q Mastercard is your perfect shopping partner for purchases big or small, combining the benefits of a credit card with a range of interest-free deals and payment holidays*.

If you have a Q Card or Q Mastercard, you can use it at the checkout like any other credit card. Simply select the Visa | Mastercard option, enter your card details and you’re done!

*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 spend and exclusions may apply. Standard Interest Rate (currently 25.99% p.a) applies to any outstanding balance at end of interest free period. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Buy Now, Pay Later*

Life doesn’t have to wait. Shop now, Pay over 10 weeks. No interest. No Fees. No Wait.*

Genoapay is the easy way to shop now and pay later – spread the cost of your purchase over 10 weekly payments instead of all at once. With no interest, and no fees when you pay on time.

How it works:

  1. Choose Genoapay at checkout when shopping online
  2. Set up your account and we’ll tell you straight away if approved
  3. Get it now, pay with 10 easy payments. No interest. Ever.

What do you need?

  • To be over 18 years old
  • A NZ drivers license or passport
  • A credit/debit card (Visa or MasterCard)
  • First instalment paid at checkout

Important to know

Pay each instalment on time, and it won’t cost a cent more than the purchase price. If you miss a payment, a $10 late fee will apply, but Genoapay will send you a reminder to help keep you on track.

*Approved applicants only. Available for purchases between $20 and $1,000, subject to approved account limit. Late fees apply. Terms and conditions apply. Genoapay is a registered financial services provider FSP646749. Genoapay is provided by Latitude Innovation Holdings Limited.

Little things. Big things. Everything. No interest ever.

When you shop with humm you can spread the cost of your purchase over 10 weekly or 5 fortnightly instalments*.

How it works:

  1. Select humm as your payment method at checkout
  2. You will be asked to join humm or log in if you’re already a member.
  3. Nominate your New Zealand MasterCard or Visa credit or debit card

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.

Important to know

  • When you purchase ‘little things’ with humm (up to a maximum of $1000), humm pays the retailer and you pay in 10 weekly or 5 fortnightly instalments. The first instalment is due when you make a purchase, with the remaining instalments due every week or fortnight.

*Lending criteria, $10 Late fee, Ts&Cs apply. An Establishment fee of $20 and $2.50 monthly account fee applies to humm Big Things only.

Get it now. Pay it in 6. Interest Free. Easy.

Laybuy lets you receive your purchase now and spread the total cost over 6 weekly automatic payments. Interest free.

How it works:

  1. Simply proceed to checkout as normal and select Laybuy as your payment method.
  2. Log in or sign up and complete your order in seconds.
  3. Choose your payment day, view your schedule and select pay now.
  4. You’re done! your items are on their way. Payments will be taken each week automatically.

What do you need?

  • A credit or debit card
  • To be over 18 years of age
  • To be living in New Zealand

Important to know

If you fail to make payment, you may be charged a late payment fee of $10. Sign up in seconds at the checkout or on the Laybuy website where you can also view full T&C’s

Afterpay it in 4. Always interest-free.

Get what you want today, pay it in four instalments, always interest-free

How it works:

  1. Select Afterpay at checkout as your payment method
  2. Log in or create your Afterpay account, with instant approval decision.
  3. Your purchase will be split into 4 payments, payable every 2 weeks.

What do you need?

  • A credit or debit card
  • To be over 18 years of age
  • Be a New Zealand resident

Important to know

Late fees and additional eligibility criteria apply. The first payment may be due at the time of purchase. 

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