Interest Free Finance Information

GEM VISA OR GEM CREDITLINE

  • Pay no interest and no payment for 12 months* on purchases over $250 when you choose Pay With GEM at checkout.
  • Up to 36 months interest free available during specific Interest Free events at Evo Cycles.
  • 6 months interest free* on all GEM Visa purchases $250 and over.
  • Available online or in store at all Evo Cycles showrooms nationwide.
  • Already have a GEM Card? Start shopping now and just select Pay With GEM in the checkout.

Learn more about GEM Visa & GEM Credit line >

*Terms & Conditions:

12 Months Interest Free
Minimum purchase Amount $250. Minimum monthly repayments required. 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 28.99% p.a./Gem CreditLine 29.95% p.a.) applies after any interest free term ends. 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. 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 gemfinance.co.nz. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card. Credit provided by Latitude Financial Services Limited.

12 Months No Payments, No Interest
Minimum purchase Amount $250. 12 months interest free with no repayments during the stated period. 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)). Minimum purchase $250. Payment for your purchase will be deferred for the stated period. During this period, no interest will accrue and no monthly payments need to be made. If you do not pay the outstanding balance in full before the end of the deferred payment period, the amount payable will accrue interest and will be included in your monthly statement. Prevailing interest rate (currently Gem Visa 28.99% p.a./Gem CreditLine 29.95% p.a.) applies after any 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 gemfinance.co.nz. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card. Credit provided by Latitude Financial Services Limited.

36 Months Interest Free With Equal Monthly Payments:
36 months of equal interest free instalments with [Gem Visa/Gem CreditLine] as [an instalment plan advance (Gem Visa)/ a CreditLine Select advance (Gem CreditLine)]. Amount payable will be shown on your monthly statement. Minimum purchase $750. Credit and lending criteria and fees, 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 28.99% p.a./ Gem CreditLine 29.95%p.a.) applies after any 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 gemfinance.co.nz. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card. Credit provided by Latitude Financial Services Limited.

Q MASTERCARD / Q CARD

  • Pay no interest and no payment for 12 months* on purchases over $250 when you choose Pay With Q Card at checkout.
  • Up to 36 months interest free available during specific Interest Free events at Evo Cycles.
  • Available online or in store at all Evo Cycles showrooms nationwide.
  • Already have a Q Mastercard / Q Card? Start shopping now and just select Pay With Q Card in the checkout.

Learn more about Q Mastercard / Q Card >

*Terms & Conditions:

12 months interest free:
*No payments and no interest for 12 months (“Payment Holiday”) is available on Long Term Finance (LTF) for in-store and online purchases. Min Spend $250. 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. Q Mastercard Expired Promotional Rate or Q Card Standard Interest Rate (both 27.99% p.a.) applies at the end of LTF Interest Free Period. (See Ts&Cs for Q Mastercard Standard Interest Rate applicable to outstanding balance of a Standard Purchase.) 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. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

24 Months Interest Free Finance:
*24 months interest free is available on Long Term Finance (LTF) for in-store and online purchases only until 31/01/24. Min spend $250. 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. Q Mastercard Expired Promotional Rate or Q Card Standard Interest Rate (both 27.99% p.a.) applies at the end of LTF Interest Free Period. (See Ts&Cs for Q Mastercard Standard Interest Rate applicable to outstanding balance of a Standard Purchase.) 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. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

FINANCE NOW

  • Available on purchases over $195
  • A good option for those with limited credit history
  • Fixed term loan
  • Only 12 Months Interest-Free Available with 36 Months To Pay. For Longer Terms please contact your local Evo showroom.

Learn more about Finance Now >

*Terms & Conditions:
No deposit, 12 Month Interest-Free with 36 months to pay terms are available on qualifying purchases $195 and over. A $60 booking fee and a $2.95 monthly service fee apply. Optional Consumer Protection Insurance (CPI) is available. Full disclosure is provided in the Finance Now disclosure statement prior to your purchase. All finance is subject to Finance Now terms and conditions and approval criteria. All contracts are between finance now and the customer. www.financenow.co.nz.

STILL HAVE QUESTIONS ABOUT INTEREST FREE FINANCE?

Call us on 0800 424 537 or email us now at support@evocycles.co.nz

*All Finance applications and agreements are carried out between the customer and the finance providers.
Evo Cycles acts as a facilitator between the two parties. All from per week payments indicated on products are only indications of the lowest amount payable per week for the principal amount borrowed and do not account for annual account fees that are charged by finance companies.

FREQUENTLY ASKED QUESTIONS

Simply choose the Apply Now button above for the finance provider you wish to apply through. Finance applications are managed directly with your chosen finance provider.

Simply choose your card at checkout or contact us for long term Gem / Gem Creditline finance. When you place you order you will be redirected to the QCard portal to choose the interest free option you would like for your purchase.

We offer finance through Q Mastercard/Qcard, Gem Visa/Gem CreditLine and Finance Now.

Terms and conditions vary for each individual Finance contract. Please see the Terms & Conditions above for each finance provider.