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Interest Free. Enjoy now, pay later.

Let's grow your business

Our range of flexible interest free plans help your customers get what they want.* Let’s talk about how Gem by Latitude can help grow your business today.

*Gem Visa T&Cs and fees apply including a $55 establishment fee and $52 annual fee (charged $26 half-yearly). Prevailing interest rate (currently 26.99% p.a.) applies to any remaining balance on the expiry of the interest free term. Credit provided by Latitude Financial Services Ltd.

Your business success is our business

Gem’s Interest Free payment options have been perfected over 25 years, to grow your business. With our interest free options you’ll be able to:

  • Have access to over 350,000 Gem shoppers nationwide with over $1.2bn of credit available in spend.
  • Expect increased basket size, by giving your customers the ability to spread repayments and make purchases now, not later.
  • Encourage repeat spend.
  • Get peace of mind, by following our standard processes we take the credit risk and get the funds into your account quickly and securely.

We have been teaming up with retailers for 25 years

We’ve got over 25 years of experience in growing sales with over 2,000 retailers across the country. Whether you’re a large retailer or running a stand alone retail business, we can help you succeed.

Diverse customer base

Over 350,000 customers across New Zealand from diverse backgrounds with over $1.2bn of credit available in spend giving you access to customer variety and scale.

Drive sales

We offer you online payment solutions, giving your business a competitive edge.

Insights driven

We provide sales insights & promotional support to help you grow and bring your customers back time and again.


We’re a leading consumer finance provider in Australia and New Zealand.

How it works

  • For retailersFor retailers
  • For customerscustomers
  • Enquire online
    Enquire about our interest free solution here and one of our specialists will give you a call to better understand how we can assist you in growing your sales.

    Once approved our team will walk you through how to enable Interest Free within your store and online check out experience.
  • Flexibility
    We offer a solution for your stores as well as a variety of industry leading integrations based on your current set up: instore, e-commerce platforms, embedded or redirected iframes, APIs.
  • Confidence with testing online
    Before you start accepting interest free on your website, we create an environment for you to be able to test this integration on your own platform to ensure you’re moving forward with confidence.
  • Start accepting Gem Visa Interest Free
    Gem Visa interest free will now be available for your stores through our user-friendly portal. Your customers will also be able to see the option to pay with your selected ‘interest free’ promotions at check out and be able to easily apply their existing Gem account details to complete their purchase if you have chosen to integrate with your website.

Find out more about Gem Visa here.

  • Easy application instore or online
    Apply for an interest free plan with Gem Visa when you make a purchase in-store at participating retailers or online.
  • Select a plan that suits you
    Choose from a range of flexible payment terms and durations that suit your monthly repayment needs.
  • Access your transaction details anywhere, anytime
    Access & manage your payment and transaction details via the Latitude App or Latitude Service Centre.
  • Happy shopping
    Now you’ve got access to exclusive interest free payment plans with New Zealand’s favourite retailers and 6 months interest free on transactions of $250 or more anywhere Visa is accepted. With the swipe of your Gem Visa card.

We keep good company, so should you.

We’ve teamed up with some of New Zealand’s best brands and retailers to give your customers fantastic interest free options.

Get in touch
Harvey NormanAppleHouse of TravelFreedomMichael HillAlpine SpaBig SaveBeds r us

Important information

*Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa (charged $26 half-yearly) / $55 Gem CreditLine (charged $27.50 half-yearly)). Prevailing interest rate (currently Gem Visa 26.99% p.a/ Gem CreditLine 29.95% p.a.) applies to any remaining balance on the expiry of the interest free term. 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. Long term interest free offers may vary. Available at participating retailers to approved customers only. Conditions, fees and charges apply. Credit provided by Latitude Financial Services Limited.

If there’s a fraudulent transaction on your Gem Visa, you will not be held liable if you:

- have not contributed to the loss
- notified us promptly of the theft, loss or misuse
- have followed the Gem Visa Conditions of Use