Finance & Loan
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Finance & Loan


We are proud to provide you with the following finance options: Gem Visa, Finance Now and Q Card. Please go for the one that suits you best.   


Enjoy brand new furniture now and pay it overtime with our GEM Visa INTEREST FREE options!


Based on your order amount, we have several options you can choose from:

Spend Min. $500, get 12 Months INTEREST FREE

Spend Min. $3000, get 24 Months INTEREST FREE

Spend Min. $5000, get 36 Months INTEREST FREE

Spend Min. $8000, get 48 Months INTEREST FREE


*Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($55 Gem Visa (charged $27.50 half yearly) / $55 Gem CreditLine (charged $27.50 half yearly)). Prevailing interest rate (currently Gem Visa 29.49% p.a./ Gem CreditLine 29.95% p.a.) applies after 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 Credit provided by Latitude Financial Services Ltd.

To know more: GEM Visa


Visit our store and upgrade your home today!



Finance Now: quick and easy finance

Finance Now makes it easy to secure personal finance to buy the fancy furniture you want.

Why choose Finance Now?

  • No deposit finance available
  • Flexible payment terms from 6 to 36 months
  • Enjoy Payment Holidays up to 12 months 
  • Instant online finance available (instore only, but will be available online soon)
  • Competitive interest rates and fees

Initial Application Criteria

  • Minimum order of $500
  • You must be a NZ Citizen / Resident and currently living in New Zealand
  • You must be older than 18 years of age
  • Proof of identity by means of a photo identification document (NZ Drivers Licence or NZ Passport)
  • Finance Now lending criteria apply 

All Finance contracts incur: 

  • Establish Fee: $55.00
  • Interest Rate: 19.75%
  • Monthly Account Fee: $1.80/month
  • Consumer Protection Insurance Premium (Optional

How to apply?

  • Instore Application: come to any of our stores, choose items you want to buy, and ask our staff to place an order. Our staff will fill in an online application form to Finance Now together with you. If you meet the criteria of Finance Now, the application will be approved in seconds. 
  • Apply Online: yes you can apply online before visiting us. 

  Apply Online Today!



Q CARD /FARMERS Card Finance

Farmers Card and Q Card from Fisher & Paykel Finance Limited is also an alternative you can consider.
We are pleased to advise that ifurniture accepts Farmers Finance Card and Q Card in-store, giving you more payment options for your purchases.
  • *Upon Q CARD's approval.
  • *Account Fees may apply. Q Card lending criteria, fees, terms and conditions apply.
  • *This service is only available from the shop.

Q card links:

*At present we are not able to accept online payment with Farmers Finance Card and Q Card and an extra charge will be applied for in-store payment.