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18 Months Interest Free term
With our 18 Months Interest Free Payment Option, you can enjoy your new home and stress less.
- 18 months interest-free is available on Q Mastercard® and Q Card Flexi Payment Purchases for full price renovation projects only.
- Offer is ongoing.
- Minimum purchase $985
- Offer available to only Auckland clients.
- Applications are assessed online up to $50,000. If your project needs more than that, talk to our team and we will arrange a manual review with Q.
- A $55 Establishment fee applies for New Cardholders or a $35 Advance fee applies for Existing Cardholders.
- A $50 Annual Account fee applies.
- Minimum monthly payments of 3% of your adjusted closing balance, or $10 (whichever is greater), are required, and the full balance if it is under $10. If a payment holiday applies to your purchase, no payments are required during that period; your Q sales voucher will confirm.
- Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. The annual account fee is not part of the interest free offer: it has an interest free period of up to 55 days from each charge and forms part of your minimum payment, so standard interest applies to it if it is not paid within that time.
- Standard interest rate, currently 28.95% pa, applies to any outstanding balance at the end of the interest free period.
- Lending criteria, fees, terms and conditions apply.
- Rate and fees are correct at the time of publication but are subject to change.
- Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
- 18 months interest-free with Q cannot be used with Afterpay.
- Columbus Financial Services Limited or Consumer Finance Limited (as applicable) reserve the right to amend, suspend or terminate the offer and these terms and conditions at any time without notice. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated

LETS GET STARTED - You'll need around five minutes
Want to see if you qualify? Fill in your details below to be taken to the application page - there's no obligation to proceed or renovate.
Please note: Lending criteria, fees, terms and conditions apply. Making an application will not affect your credit rating.
Fees last verified against Q Mastercard: 18 Aug 2026