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Ideal living spaces made more affordable, The designer lounge suite you’ve always wanted, the entertainer’s kitchen, or a luxurious bedroom. If you’ve already imagined your ideal space, we can bring it to life with Interest Free Credit on an extensive range of furniture and appliances.

What is Interest Free?

Interest Free credit provides you with an affordable way to get what you want now without paying more than you need to. Pay No Interest on your purchase by reducing your balance to zero before the end of your Interest Free period, leaving more money in your pocket. You can even get ahead by making additional, penalty-free repayments as you go, giving you the flexibly to reduce your debt even faster.

With Smiths City Finance you can purchase everything for every space in your home under one contract! You don’t need to have multiple transactions and these contracts provide certainty as monthly instalments are fixed, with repayment options tailored made to meet your current needs.

We will work with you to select the most suitable repayment plan for you, including the interest free term you want.

The minimum transaction value to qualify for Interest Free credit is $499.

We also have other finance options such as our Option Plan and Lay-by facilities that are available for purchases less than $499.

All Finance Offers are subject to our credit criteria, fees, terms and conditions. Insurance cover is mandatory and credit fees apply. Weekly payments are based on a 36 Month term and include credit fees, insurance and maintenance fees. Prevailing Interest Rate (currently 23.95% with Smiths City Finance) applies to any outstanding balance at the end of your Interest Free term.

View our Rates & Fees

View our Interest Free Terms & Conditions

  • Buy in-store
  • Payment options that work for you
  • Save money during your interest free period
  • Start shopping as soon as you’re approved
  • Monthly minimum payments required
  • Penalty-free, additional repayments allowed

Apple products, selected computers, game consoles, gift cards and some promotional items such as "Top Deals" and "Everyday Low Price" are not available in conjunction with discounts or Interest Free offers.

Fees and Charges

Minimum monthly payments are required but you won't be charged interest if you pay off your purchase before the expiry of the interest free period. Prevailing interest rate applies to any outstanding balance on the expiry of the interest free period.

Standard fees and charges apply including

Establishment Fee
$45.00 - to process your account application, this is a one-time fee you pay when you make your purchase

Annual Maintance Fee
$45.00 - to maintain your account for 12 months and annually thereafter for the term of the contract

PPSR Registration
$8.05 - where details of our security interests are registered, a one-time fee of $8.05