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Fair Finance Options

Fair Finance Options

Smiths City Finance offers a range of hassle-free financial products, everything from retail finance to personal loans.

NZ Born And Bred

NZ Born And Bred

Smiths City Finance is 100% owned and operated by the Smiths City Group, and has been working alongside your local Smiths City store since 1988.

Smiths City Finance's 'Fair Play Promise'

Smiths City Finance's 'Fair Play Promise'

At Smiths City Finance, we play fair. We make sure our payment plan suits your budget and your situation. If they change, we'll work with you to find a solution that works. You can shop with confidence knowing that we'll make the finance easy and honest. That's a promise.

We take complaints seriously

We take complaints seriously

We are a member of an independent disputes resolution scheme, and have an internal complaints process. If you're unhappy with our service or products, we'd like to hear from you.

Smiths City Finance is a wholly-owned subsidiary of Smiths City Group Limited. Smiths City Finance has been providing easy and flexible finance to the Smiths City Group customers since the 1980's.

Smiths City Finance is registered on the Financial Services Provider Register (FSP25143).

At Smiths City Finance, we pride ourselves on providing individual service and attention, and have a strong customer focus.


Our EasyCard works just like a credit card: pay in full on the due date and pay no interest, or pay as little as $10 or 3% of the balance, with interest charged on the next statement.

Smiths City EasyCard is different. Here’s 10 reasons why...

  1. No setup and booking fees
  2. No account maintenance fees
  3. No statement fees
  4. Exclusive offers to EasyCard holders
  5. Flexible monthly payment options – from as little as 3% or $10
  6. Minimum 60 days interest free on every purchase with no payments for 60 days
  7. Fast and easy processing of your purchases
  8. Instant recognition instore
  9. Monthly statements
  10. We own our own finance company so you’re dealing with local Smiths City staff from start to finish

View EasyCard Terms & Conditions >

View EasyCard Rates & Fees >

Interest Free

Interest Free is our fixed instalment contract, designed to give you a set instalment amount to pay each month, knowing that at the end of the contract your goods are paid for in full. This is an option popular with many of our customers who want to budget a fixed dollar amount each month.

Payment Conditions

  • All finance offers are subject to normal credit granting procedures
  • A $45 Establishment fee and monthly account maintenance fees of $3.75 per month apply (credit fees)
  • A deposit may be required on purchases of computers, car audio products, cell phones and new accounts
  • Interest is charged from the date of purchase, however if you repay the account during the interest free period and make minimum payments, all you will pay is the advertised price plus credit fees
  • Selected computers, game consoles, mp3 players and some promotional items are not available in conjunction with interest free option offers
  • Interest free means all you pay is the advertised price and credit fees, provided that the account is paid in full and minimum payments are made during the interest free period

View Interest Free Terms & Conditions

View Interest Free Rates & Fees