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Gem Visa Instalment Interest Free Calculator

Calculate repayments for purchases on an instalment interest free promotional plan.

Min purchase A$50.00

Your Instalment Interest Free payment plan



per month*

*Excluding all fees

Total amount paid^


^Total amount paid includes $55 establishment fee and $55 annual account fee (charged $27.50 half-yearly).

Important things to remember

Credit and lending criteria and fees, including a $55 establishment fee and a $55 annual fee (charged $27.50 half-yearly). Prevailing interest rate (currently 29.49% p.a.) applies to any remaining balance on the expiry of the interest free term. For cash advances, an interest rate of 29.95% p.a. and a $2 fee applies. Further information on rates and fees can be found at gemfinance.co.nz.

The estimated repayments quoted are indicative only and are calculated based on the nominated purchase amount and instalment interest free period only. They do not take into account other purchases or balances or any other fees that may apply. Your repayments will be due on a monthly basis and the exact amounts due will be detailed on your monthly statement.

To be eligible for an Instalment Interest Free plan, a minimum finance amount will apply. See current promotions for terms and conditions.

This calculator is current as of 7 February 2024 and may be updated from time to time.

Instalment Interest Free promotions, their terms and minimum payments required are subject to change over time.

Please refer to Gem Visa Conditions of Use for further information about Instalment Plans. Gem Visa is provided by Latitude Financial Services Limited.