Finance

Q-Finance

Click Here to learn more about Q-Card and its finance rates

 

*Q Finance Offer: *No payments and no interest for 12 months (“Payment Holiday”) and no interest for a further 24 months is available on Flexi Payment Plans – offer is ongoing until further notice. Minimum purchase $300. Annual Account Fee of $50 applies. New Cardholder fee - $55 Establishment Fee. Existing Cardholder fee - $35 Advance. Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required at the end of the Payment Holiday 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. Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change. Offer also available on Q Mastercard. New Cardholder Fee applies to new Q Mastercard accounts – $55 Establishment. See qmastercard.co.nz/apply for details on Q Mastercard. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

 

CERTEGY EZI-PAY

What is Certegy Ezi-Pay EDGE?


Certegy Ezi-Pay EDGE, is a retail payment plan that allows you to purchase goods or services today, by paying an initial deposit, with the remaining balance conveniently direct debited fortnightly. The application is simple with fast approval times. 
Best of all, there is No Interest Ever!

 

When you make your initial purchase, we open an Account for you. You can access your account online at any time to track your repayments and make additional payments, change the date of your next payment, update your details and print a statement.

 

Fees at a glance

FEEAMOUNTFREQUENCY

Establishment Fee

$35 - $90

One-off (added to the balance and paid as part of the fortnightly payment)

Repeat Purchase

$22.00

One-off (added to the balance and paid as part of the fortnightly payment)

Payment Processing Fee

$2.95

Fortnightly (or when each payment is processed)

Account Keeping Fee

$3.50

Monthly

With your initial purchase, you are charged an establishment fee between $35 and $90 to set up your Account. This amount is added to your purchase and is paid over the term of your plan. A $3.50 account keeping fee is direct debited every month while your account remains open and a $2.95 payment processing fee is added to each payment.

 

Are there any other fees or charges?

There are NO other fees and charges applied if you make your repayments as set out in your Credit Schedule. There are NO additional fees charged for closing your account or paying off your balance early.

 

What happens if I don't make the payments as agreed?

Other fees may be charged if you do not make your repayments as shown in your agreed Credit Schedule.