18 MONTHS INTEREST FREE – RENOVATE NOW, PAY LATER
Interest Free Finance With MasterCard
Flexible Financing for Your Dream Renovation Imagine your perfect home makeover. With 18 months of interest-free financing on Q Mastercard, your dream space is within reach. From inspiring upgrades to cozy touches, start transforming your home today—without waiting!
WHY WAIT TO renovatE?
Our 18-month interest-free financing option helps you enjoy your newly renovated space sooner, with zero financial stress. Whether you’re still saving up or looking for financing, skip the bank and start your project today. With flexible, no-interest financing, you can begin the transformation now! Speak to our team about eligibility and check for other financing deals updated monthly. Note: any outstanding balance should be paid off by the end of the interest-free period.
Terms, fees, and lending criteria apply. Mastercard and its circle design are trademarks of Mastercard International Incorporated.
What is it?
Flexible Payment Options
- 18 Months Interest-Free for projects over $20,000
- 12 Months Interest-Free on sales above $10,000
- 6 Months Interest-Free on purchases over $200
What is interest free financing?
Interest-free financing allows you to start your renovation now and pay over time. A minimum monthly payment of 3% of the closing balance (or $10, whichever is greater) is required during the interest-free period.
Who can apply?
If you hold a Q-Card, you’re eligible for 18 months of interest-free financing on renovations of $20,000 or more. Let us know if you’re interested when booking your consultation. If you’re not yet a Q-Cardholder, you can easily apply online.
Getting Started with Q-Card Financing?
Q-Card has made it easy for our clients to apply and get approved. Renovate Now, Pay Later.
Step One
Application
Complete the Q-Card application form, which will assess if you qualify for your desired financing amount.
Step Two
Approval
For requests under $10,000, approval takes just a few minutes. For amounts over $10,000, it may take 3-5 days.
Step Three
Ready to Renovate
Once approved, your project begins with our team handling all the logistics.
Step Four
Funds Disbursement
We release funds per the project’s payment plan, ensuring smooth progression through each stage.
Step Five
Project Completion
Upon completion and final sign-off, the balance is processed by our accounts team.
Final Step
Repayment Begins
Your interest-free contract begins upon final drawdown. Minimum payments are due monthly through the financing period.
David Johnson, Wellington
Payment Example: How Interest-Free Renovation Works
Example with Project Value: $18,500
- 6 Months
- Weekly payment: $715.57
- Renovation Cost: $18,500
- Annual Account Fee: $50 (in two $25 installments)
- New Cardholder Fee: $55 ($35 for existing cardholders)
- Total Paid: $18,605
- 18 Months (Most Popular)
- Weekly payment: $238.84
- Renovation Cost: $18,500
- Annual Account Fee: $50 (in two $25 installments)
- New Cardholder Fee: $55 ($35 for existing cardholders)
- Total Paid: $18,630
Note: Minimum payments may not fully repay the balance by the end of the interest-free period.
Frequently Asked Questions
What fees apply for a new Q Cards?
Upon approval, a $50 annual fee is applied. For new accounts, there’s a $55 establishment fee, or a $35 advance fee for existing cardholders.
Who can I contact for help with the application?
For assistance, contact Q Mastercard Customer Support at 0800 119 10
Difference between Q Card and Q Mastercard?
Q Mastercard now combines features of both the Q Card and Mastercard, offering you long-term financing options.
How long does it take to approve applications under $10,000?
Applications under $10,000 are typically approved within 5 minutes.
What about applications over $10,000?
Applications above $10,000 require 3-5 days and may include a financial statement.
Terms and Conditions Things to know ?
Things to know
- 18 months interest-free is available exclusively on full-price renovation projects through Q Mastercard and Q Card Flexi Payment Plans for Wellington clients.
- Minimum purchase of $985 applies.
- Fees: $55 establishment fee for new cardholders or a $35 advance fee for existing cardholders, plus a $50 annual account fee.
- Minimum Payments: 3% of the monthly balance or $10 (whichever is greater) required monthly. Note, paying only the minimum amount may not fully cover the balance by the end of the term.
- Interest Rate: Standard 25.99% p.a. applies to any balance after the interest-free period ends.
- Mastercard trademarks belong to Mastercard International Incorporated.