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Finance Options
Purchase options have never been so easy or so simple to tailor to your needs. At Target we don’t believe there is only one finance option that fits all, instead we help you find the Finance option that best suits you and your unique situation.
What suits one person, won’t suit the next: do you want interest free terms, an initial payment holiday, convenient low weekly repayments, an extended loan period or the ability to pay it off early? Have a read through the below and choose how you’d like to purchase with us. As always, if you have any questions give us a bell, we’re here to help.
I don't want to make repayments straight away
With our partner Q Card you gain access to deals that mean you don’t need to start making payments immediately. Choose from payment holiday terms ranging from 6 to 18 months and get a payment plan that works for you!
More information can be found at the bottom of this page.
I prefer to make fixed regular payments
If you like to have small regular payments chip away at a larger sum, we have two options that will suit you to a T!
Laybuy:
Buy now, pay later. Laybuy is an easy payment option that gives you the flexibility to receive your purchase now, and pay over 6 weeks – and its interest free, woo!
Simply select Laybuy at checkout and spread the cost of your order over 6 weeks. Payments will be taken automatically on the day of your choosing, and you only have to pay the normal price of your purchase when you pay on time. Bonus, there’s no interest charged or any additional sneaky costs!
Finance Now:
Finance Now lets you to take your purchase home straight away and pay it off at a regular fixed amount that’s affordable for you. Simply select Finance Now online or in store and set up the fixed term and payments to suit your budget. Your loan will be paid off in full with the final payment. You can also go 18 months Interest-Free over a total term of 48 months with any purchase over $499!
For more information on choosing either Laybuy or Finance Now as your preferred financing option, read on to the bottom of this page.
I like to control how I pay off a purchase
If you like to set the terms of when and how you make payments on your purchase, then Q Card or Gem Visa may be the best match for you. With Gem Visa, any purchase over $499 qualifies for 12 Months interest free. Minimum repayment amounts apply so check all the details here.
Curate your own payment plan with Q Card and choose a combination of interest free and payment holiday that suits you and your financial needs and then get shopping.
More information can be found at the bottom of this page.
I want to pay with my own credit/debit/cash
You can complete a purchase with us using credit or debit cards as well as eftpos or cash in New Zealand currency.
I don't want to make repayments straight away
I prefer to make fixed regular payments
I like to control how I pay off a purchase
I want to pay with my own credit/debit/cash
With our partner Q Card you gain access to deals that mean you don’t need to start making payments immediately. Choose from payment holiday terms ranging from 6 to 18 months and get a payment plan that works for you!
More information can be found at the bottom of this page.
If you like to have small regular payments chip away at a larger sum, we have two options that will suit you to a T!
Laybuy:
Buy now, pay later. Laybuy is an easy payment option that gives you the flexibility to receive your purchase now, and pay over 6 weeks – and its interest free, woo!
Simply select Laybuy at checkout and spread the cost of your order over 6 weeks. Payments will be taken automatically on the day of your choosing, and you only have to pay the normal price of your purchase when you pay on time. Bonus, there’s no interest charged or any additional sneaky costs!
Finance Now:
Finance Now lets you to take your purchase home straight away and pay it off at a regular fixed amount that’s affordable for you. Simply select Finance Now online or in store and set up the fixed term and payments to suit your budget. Your loan will be paid off in full with the final payment. You can also go 18 months Interest-Free over a total term of 48 months with any purchase over $499!
For more information on choosing either Laybuy or Finance Now as your preferred financing option, read on to the bottom of this page.
If you like to set the terms of when and how you make payments on your purchase, then Q Card or Gem Visa may be the best match for you. With Gem Visa, any purchase over $499 qualifies for 12 Months interest free. Minimum repayment amounts apply so check all the details here.
Curate your own payment plan with Q Card and choose a combination of interest free and payment holiday that suits you and your financial needs and then get shopping.
More information can be found at the bottom of this page.
You can complete a purchase with us using credit or debit cards as well as eftpos or cash in New Zealand currency.
Multiple options available *
Head instore to talk to a sales representative about your options with Q Card.
Minimum spend $499. Annual Account Fee of $50 applies.
New Cardholder fees - $55 Establishment. Existing Cardholder fee - $35 Advance. Minimum 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, currently 25.99% p.a. or 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. Long Term Finance option available in-store only.
To pay using Q MasterCard (3 Months Interest Free) simply use as a regular credit card when paying online & in store.
Offer excludes AA Smartfuel discounts.
For professional financial advice, we suggest you either contact the finance company or your financial adviser.
12 Months Interest-Free *
* Minimum spend $499 using Gem Visa or Gem CreditLine.
Normal credit and lending criteria and fees apply.
Minimum monthly repayments must be made during the interest free period.
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.
Prevailing interest rate (currently 25.99% p.a. Gem Visa/29.95% p.a. Gem CreditLine) applies to any outstanding balance on the expiry of the interest free period.
Credit provided by Latitude Financial Services Limited.
To pay using Gem Visa simply use as a regular credit card when paying online & in store.
Offer excludes AA Smartfuel discounts.
18 Months Interest-Free with 48 months to pay*
* Take your purchase home now and pay it off at a regular fixed amount that is affordable for you. The term and payments are fixed to suit your budget, and your loan is paid off in full with the final payment.
* 18 months Interest-Free over a total term of 48 months is available on all purchases over $499.
Interest of 21.95%pa is accrued on the outstanding balance from the start of the interest bearing term.
A $55 booking fee and a $1.80 monthly service fee apply.
Optional Consumer Protection Insurance (CPI) is available.
Full disclosure is provided in the Finance Now disclosure statement prior to your purchase.
All finance is subject to Finance Now terms and conditions and approval criteria.
Available in stores only.
Offer excludes AA Smartfuel discounts.
*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.
Offer excludes AA Smartfuel discounts.
