Shop Half Yearly Sale! 50% Off Silver, Pearls & Gemstones* | 25% Off Seiko & More*

Interest Free Finance

What is interest free?

Interest Free is the smarter way to shop. Make your purchases today and pay off the purchase over a period of time with no interest during the interest free period. *

Existing owners of a Gem Visa, GE Creditline, GO MasterCard or Buyer's Edge card are also eligible, and can simply enter their card details in during the checkout process.


  • Buy In Store & Online
  • Apply Online and get a response within 60 seconds!
  • Once approved, you can start shopping straight away.
Apply Now!

Online & In-Store

Our Interest Free options are now available to all approved customers both in store and online.

To make an Interest Free purchase in our online store, simply select Interest Free Payment during the checkout process and follow the prompts.

Payment Plans

We offer the following payment plans depending on your purchase amount:

  • For purchases of $300.00 or more, you are eligible for 6 Months Interest Free, with minimum monthly payments.
  • For purchases of $600.00 or more, you may opt for 12 Months Interest Free, with minimum monthly payments.

For a complete list of our available terms and their conditions, please click here.

Fees & Charges

You won’t be charged any interest if you pay off your purchase during the promotional period. *

Pay No Interest

Pay your purchase in full before the end of the interest free period and pay $0 interest. Check which plan you are on for details on monthly payments.

Interest is not backdated

Interest is not backdated, so if you have a balance at the end of your interest free period, you’ll only pay interest on the remaining balance from that time onwards.

Annual Fee

For Gem Visa a $99 annual fee applies after your first purchase and on the anniversary of that first purchase every year afterwards.

* Conditions Apply, click here to view all Terms & Conditions.

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