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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.

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 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 (provided that you satisfy the minimum payment requirements), 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 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 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 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.

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 (or weekly) minimum payments required
  • No fees payable for early repayment

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.