Terms & conditions

24 MONTHS INTEREST FREE*

*24 months interest free is available on Long Term Finance for in-store purchases only until 31/08/2024. Min spend $1,000. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Min 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 of 28.50% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice.

18 MONTHS INTEREST FREE & NO PAYMENTS*

*18 Months Interest Free & No Payments is available on Long Term Finance (LTF) for in-store purchases only. Min Spend $1,000. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Standard Interest Rate of 28.50% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees correct as at date of publication, subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice.

36 MONTHS INTEREST FREE*

*36 months interest free is available on Long Term Finance (LTF) for in-store purchases only until 31/07/2024. Min Spend $1,000. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Min 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 of 28.50% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice.

FAQ

Q: How do I apply for finance?
A: If you don't already have a Q Card or Q Mastercard, you can apply in store or online. Bring in your current identification e.g. NZ Driver Licence or Passport. We will process the application and advise you of the outcome. Apply at home here. If approved simply take your current NZ Driver Licence into your Flooring Xtra store so that we can process the transaction.

Q: What fees do I get charged when I apply?
A: If your application is approved, an annual account fee of $50 applies. $25 is applied to your account on opening and every 6 months thereafter. An establishment fee of $55 is charged when you open your account and use Long Term Finance (such as 18 months no payments & no interest). For more information about Q Mastercard Fees, click here.

Q: How long does it take for my application to be processed?
A: It will take approximately 10 minutes to complete the application in our store. Your sales consultant will enter this into the Q Mastercard system which gives you a decision of the outcome.

Q: When I make a purchase, can I split my payment between cash or Eftpos and put the balance on Q Mastercard or Q Card finance?
A: Yes, you can separate your payment like this. If we have available a special finance offer there may be a minimum spend amount that applies for transactions.