Our interest free offers

What is Interest Free?

Long term interest free finance gives you an affordable way to get what you want now without paying more than you need to upfront. 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, there's no penalty for repaying your purchase early.

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.

Long term interest free finance offers are subject to Q Mastercard lending criteria.

Lending criteria, $50 annual Account Fee, fees, and terms and conditions. Minimum spend applies. Excludes gift cards and some promotional items. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Q Mastercard Expired Promotional Rate or Q Card Standard Interest Rate (both 27.99% p.a.) applies at the end of LTF Interest Free Period. (See Ts&Cs for Q Mastercard Standard Interest Rate applicable to outstanding balance of a Standard Purchase.) Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.