*24 Months Interest Free

• 24 months interest free is available on Long Term Finance for in-store purchases only until further notice.
• Minimum spend $1,000.
• Lending criteria, $50 annual Account Fee, fees and Ts&Cs apply.
• A $55 Establishment Fee applies to the customer’s first Long Term Finance transaction and a $35 Advance Fee applies to subsequent Long Term Finance transactions.
• Minimum payments of 3% of the monthly closing balance or $10, whichever is greater, are required throughout the interest-free period.
• Paying only the minimum monthly payments will not fully repay the balance before the end of the interest-free period.
• The Standard Interest Rate of 28.95% p.a. applies to any outstanding balance at the end of the Long Term Finance interest-free period.
• Other interest rates and fees may apply.
• Rates and fees are subject to change.
• New customers need to apply and be approved for a Q Mastercard credit card.
• 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 – Fixed Instalments

• 36 months interest free available on a Fixed Instalment for eligible in-store purchases only, until further notice
• Minimum purchase price of $5,000 applies
• New customers must apply and be approved for a Q Mastercard credit card
• $55 Establishment Fee on a customer's first Fixed Instalment purchase
• $35 Advance Fee on subsequent Fixed Instalment purchases
• $50 Annual Account Fee
• Other fees and charges may apply per the credit contract
• Standard Interest Rate of 28.95% p.a. applies to any outstanding balance at the end of the interest-free period
• Repaid via equal monthly Instalments over a 36-month term
• Can be repaid in full at any time, no penalty
• An Instalment payment is required every month as shown on the statement
• Overpaying in one month doesn't waive the following month's required Instalment payment
• No interest charged during the 36-month promotional period, provided all required repayments are made per the credit contract
• Missing an Instalment or paying after the Due Date may put the account into arrears, with additional fees/charges/consequences possible
• Rates and fees are subject to change
• Columbus Financial Services Limited and Consumer Finance Limited can amend, suspend, or withdraw the offer at any time
• Changes won't affect existing credit contracts, except as permitted by law and the contract itself

• 12 months interest-free available on Long Term Finance for in-store purchases only, until further notice
• Minimum spend of $200
• Lending criteria, $50 annual Account Fee, other fees and Ts&Cs apply
• $55 Establishment Fee applies to the customer's first Long Term Finance transaction
• $35 Advance Fee applies to subsequent Long Term Finance transactions
• Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) required throughout the interest-free period
• Paying only the minimum monthly payments will not fully repay the balance before the interest-free period ends
• Standard Interest Rate of 28.95% p.a. applies to any outstanding balance at the end of the interest-free period
• Other interest rates and fees may apply; rates and fees are subject to change
• New customers must apply and be approved for a Q Mastercard credit card
• 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