Ways to pay
Afterpay | Q Mastercard & Q Card
Pay in 4 interest-free instalments via Afterpay or receive up to 36 months interest free** when you purchase using Q Mastercard / Q Card.
How it works
1. Buy now and pay in 4 interest-free instalments over 6 weeks.
2. No fees when you pay on time.
Apply for a Q Card today
Q Card can be used to pay for in-store and online purchases at a growing number of NZ retailers.
If you don’t already have a Q Card, you'll need to complete an application form. Once you're approved you'll be eligible for interest free payments on any purchase on our online store over $200 and up to 36 months interest free on purchases over $1,000.**
Shop now. Pay later
Samsung has partnered with Afterpay to provide ‘Buy now, Pay later’ services when you shop online directly with Samsung. Get flagship smartphones, monitors, televisions and home appliances outright using Afterpay while having the freedom and flexibility of fortnightly payments.
With Samsung and Afterpay, you can Pay better in 4 interest-free Instalments over 6 weeks.
Shop products up to $3,000 NZD and subject to approval by Afterpay*.
1 Standard Interest Rate of 28.50% p.a. applies to outstanding balance
at the end of LTF interest free period. click here for full Ts&Cs.
FAQs
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How does it work?Q Mastercard / Q Card - You will need to be an existing Q Card or Q MasterCard customer. If you don’t have either, please apply for a Q Mastercard at www.qmastercard.co.nz/. Please note it can take up to 10 working days for your card to arrive. Responsible lending obligations apply.
Afterpay - When you use Afterpay, you pay for your items in 4 equal instalments over 6 weeks, without incurring any interest. We pay the retailer in full and upfront on your behalf. You pay for the first instalment of 25% at the time of purchase, and the remaining three instalments will be automatically deducted from your nominated debit or credit card over the following six weeks. -
What are the fees?Q Mastercard / Q Card - $50 annual Account Fee, $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. At end of interest free period, Standard Interest Rate of 28.50% p.a. applies. Other interest rates and fees may apply, please visit www.qmastercard.co.nz/ for further details.
Afterpay - free when you pay on time. Unlike most credit cards, there are no hidden or annual fees, and Afterpay doesn’t charge interest. If you miss a payment Afterpay does charge late fees. These fees never exceed 25% of the purchase price or $68; whichever is less. Afterpay will do everything they can for you to avoid late fees, including sending reminders leading up to the payment due date and an alert after a payment has failed. Please visit www.afterpay.com/en-NZ/ for further details. -
Are regular payments required?Q Mastercard / Q Card - Min 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.
Afterpay - It’s always interest-free when you pay it in 4 instalments. If you do miss a payment, you will incur a late fee* and you won’t be able to buy or book anything else with Afterpay until you settle your account. -
How do I set up an Afterpay account?Afterpay - Setting up an Afterpay account is simple. To get the best experience, download the Afterpay app to sign up. Alternatively, you can sign up on www.afterpay.com/en-NZ/, or during the checkout process at participating online retailers. You must be over the age of 18 and provide some personal information, and link a valid debit or credit card.
To make it quick and easy for you, Afterpay will verify your identity electronically (rather than you having to do time-consuming paperwork). Then, when you want to make a purchase with any of our partner retailers, just choose Afterpay as your payment method at the checkout.
It’s important to know that Afterpay does apply an approval process for individual purchases. Our approval process takes a number of factors into account, including whether there are sufficient funds in your account (particularly for new customers), and how much you will have to repay on the purchase.
Afterpay carries out this process on every order you make with Afterpay, not just the first one.
* Afterpay late fees, eligibility criteria and terms & conditions apply. Purchase up to a maximum cart value of $3000 NZD. Visit www.afterpay.com/en-NZ/terms-of-service for full terms.
** 12/24/36 Months Interest Free - Available on Long Term Finance (LTF) for online only. Min Spend $200/$800/$1,000 respectively. Lending criteria, $50 annual Account Fee, fees, T&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Min 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 of 28.50% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Other interest rates and fees may apply, please visit www.qcard.co.nz for further details. Rates and fees subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these T&Cs at any time without notice.