Finance Options

Finance Options

100% Home makes it easier to buy the things you need

We know that it’s not always easy to pay in full upfront, and many of us prefer to have larger purchases spread over a longer term. That’s why at 100% Home, we have partnered with finance providers who offer a variety of options for our customers.

You can apply for finance through these providers in your local 100% Home store* or on the finance providers website, whatever suits you best.

500 days no payments & no interest with Q CARD and Q MASTERCARD. Instore only - Terms and Conditions

*No payments and no interest for 500 Days (“Payment Holiday”) is available on Long Term Finance (LTF) purchases for in-store purchases $499 & over only until Wednesday 31st July 2024. Offer excludes Gift Card purchases, Apple and Gaming products. Annual Account Fee of $50 applies. An Establishment fee of $55 applies to your first LTF transaction, a $35 Advance Fee applies to all subsequent LTF transactions. Standard Interest Rate, currently 28.50% p.a. applies to any outstanding balance at end of Payment Holiday. Lending criteria, fees, Terms & Conditions apply. Rate and fees correct as at date of publication, subject to change Columbus Financial Services Limited or Consumer Finance Limited (as applicable) reserve the right to amend, suspend or terminate the offer and these terms and conditions at any time without notice.

Long term finance through Q MASTERCARD or GEM VISA

These finance options are ideal for customers who want a longer term to repay their purchase – with finance plans available from 3 months up to 50 months.


Q Mastercard is the perfect shopping partner because not only is it a credit card enabling you to do the regular purchases such as groceries, clothing or dining out, it also offers the option to make purchases big or small, with a range of interest-free deals and payment holidays.

For example, with Q Mastercard, you can enjoy a minimum of 3 months zero interest, zero payments on all purchases, always. The Q Mastercard is a convenient option as you can use it for everyday purchases and at the same time arrange for those bigger purchases with longer payment plans to suit your needs.

Applies to in-store purchases $499 & over. Lending criteria, $50 Annual Account Fee, fees, T&Cs apply. Standard Interest Rate (currently 28.50%) applies to any outstanding balance at end of interest free period.$55 Establishment Fee or $35 Advance Fee applies to Long Term Finance Purchases.

For full terms and conditions or to apply on-line, click here.


The Gem Visa credit card offers customers 6 months interest free on all Visa purchases $250 and over. Which is very useful for those people wanting to spread payments over a six month period.

However Gem Visa also gives you access to a wide range of interest free offers and longer payment plans, whilst still operating as a regular credit card for everyday shopping. This way you get the best of both worlds. The convenience of a credit card, as well as great finance deals for those larger purchases.

*Minimum purchase $250. Minimum monthly payments required. Normal credit and lending criteria and fees apply including a Gem Visa $55 establishment fee and annual fees ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly). Prevailing interest rate (currently Gem Visa 29.49% p.a. / Gem CreditLine 29.95% p.a.) applies after any interest free term ends. Paying only the minimum monthly repayment of 3% of the outstanding monthly balance or $20 (whichever is more), will not be sufficient to repay the purchase amount(s) within the promotional period. Amount payable will be shown on your monthly statement. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.

For full terms and conditions or to apply on-line, click here.

The choice of finance company will be at the sole discretion of each 100% Home store as they are locally owned.