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This is our interest free fixed instalment contract, designed to give you a set instalment to pay each month (or by weekly instalment), knowing that at the end of the contract your goods are paid for in full. This is an option that's popular with many customers who want to budget a regular, fixed dollar amount.

What is Interest Free?

Interest Free finance gives you an affordable way to get what you want now without paying more than you need to up front. As long as you meet your minimum monthly repayments within your interest free term, you'll pay no interest on your purchase, leaving more money in your pocket. Want to get ahead even further and faster? The choice is yours. Try to make additional repayments as you go - with Smiths City Finance, there's no penalty for repaying your purchase early.

With Smiths City Finance you can purchase everything for every space in your home under one contract. You don’t need multiple credit contracts for goods purchased at the same time from different departments within our stores, and your contract will provide the certainty of one fixed monthly instalment, with repayment options tailored to meet your current needs.

We'll work with you to match you to the best finance option for you and your lifestyle, including the interest free term that fits your needs.

We also have other finance options including EasyCard with no fees (other than fees payable on default) and no minimum transaction, Laybuy, WeChat Pay, AliPay 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 for Interest Free contracts with eligible customers 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.

Apple products, selected computers, game consoles, gift cards, clearance items, and some promotional items such as "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 Maintenance Fee
$45.00 to maintain your account for 12 months and annually thereafter for the term of the contract

PPSR Registration
A one-time fee of $8.05 is payable for the registration of our security interest.

View our Interest Free Rates & Fees >

View our Interest Free Terms & Conditions >

Our current interest free offers

*Apple, Selected computers, game consoles, gift cards, clearance items and some promotional items are not available in conjunction with interest free offers. Flooring available on a maximum of 18 months interest free. Exclusions, fees, terms, conditions and credit criteria apply. Available in-store only. Equal instalment amounts include one-off booking fee of $45.00, annual fees of $45.00 p.a., and security registration fee of $8.05, and exclude insurance. Current interest rate of 23.95% applies to any unpaid balance after expiry of (any) interest free period. See in-store for details.