18 Months Interest Free at PB

Minimum purchase $500. Minimum monthly payments required. Available on participating Gem Visa or Gem CreditLine credit cards. New customers must apply and be approved for a Gem Visa credit card. *Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($55 Gem Visa (charged $27.50 half yearly) / $55 Gem CreditLine (charged $27.50 half yearly)). Prevailing interest rate (currently Gem Visa 29.49% 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. Where the merchant offers cash advance in the services, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies for cash advances. Further information on rates and fees can be found at gemfinance.co.nz. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card. Credit provided by Latitude Financial Services Limited. Gem does not guarantee any product or service purchased using Gem Visa. All claims and representations are made by the merchant of the goods/services, and not by Gem. Excludes vouchers, gift cards, software licenses, game activation codes, pre-orders, Customized-to-Order (CTO) Apple Mac, and backorders.

12 Months No Payments & No Interest (“Payment Holiday”) is available on Long Term Finance (LTF) for in-store & online purchases. Min Spend $200. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Standard Interest Rate of 28.50% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees correct as at date of publication, subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. Excludes vouchers, gift cards, software licenses, game activation codes, pre-orders, Customized-to-Order (CTO) Apple Mac, and backorders.

12 months interest free is available for purchases on $250 and over using Purple Visa Card. Purple Visa Card Terms and Conditions, credit criteria and Rates and Fees (including a $55 establishment fee and a $55 annual fee) apply. Prevailing interest rate of 26.65% p.a. will apply to any outstanding balance at the expiry of the interest free period and Cash Advance rate of 29.40% p.a. also applies (both current as of 1 April 2024). Visit purplevisa.co.nz for more information. PB Tech Exclusions apply. Excludes vouchers, gift cards, software licenses, game activation codes, pre-orders, Customized-to-Order (CTO) Apple Mac, and backorders. Currently available in PB stores only.