*No payments and no interest for 18 months (“Payment Holiday”) is available on Long Term Finance (LTF) for in-store and online purchases until further notice. 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.

Q Mastercard Expired Promotional Rate or Q Card Standard Interest Rate (both 28.5% p.a.) applies at the end of LTF Interest Free Period.

(See Ts & Cs for Q Mastercard Standard Interest Rate applicable to outstanding balance of a Standard Purchase.) 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.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

*Credit and lending criteria and fees apply, including a Gem visa $55 establishment fee and annual fees ($55 Gem visa paid in two half yearly instalments of $27.50/$55 Gem credit line paid in two half yearly instalments of $27.50).

Prevailing interest rate (currently Gem visa 29.49% p.a/Gem credit line 29.95% p.a) applies after any interest free term ends.

For cash advances, an interest rate of 29.95% p.a. and fees of $2 Gem Visa/$6 Gem CreditLine applies. Further information on rates and fees can be found at gemfinance.co.nz

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. 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.

* 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 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.