Apply for Finance

100% 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%, 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% store* or on the finance providers website, whatever suits you best.

500 Days No Payments, Interest Free - Terms and Conditions

*No payments and no interest for 17 months (“500 Days Payment Holiday”) is available on Long Term Finance (LTF) purchases for in-store purchases only until Monday 30th September 2021. 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 25.99% 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.

Buy Now Pay Later with Humm


Humm provides customers with flexible choices, and they do Buy Now Pay Later a little differently. You can finance little purchases to be paid back faster as well financing those bigger purchases which can be paid back over a longer time frame. Best of all, there’s no interest to be paid on either option.

You can choose:

Little things: This option is for those purchases up to a value of $1000. What’s special about this Humm option is that you can buy up to 5 items as long as the total does not exceed $1000. So if you need a whole lot of stuff at once, this could be right for you. Or you could use it on the purchase of just one item, it’s your choice.

This option finances all of your purchases up to $1,000 with up to 10 weeks to repay in full. You can choose to pay weekly or fortnightly.

Big things: This is for those purchases over $1,000 and all the way up to $10,000. Unlike the ‘little things’ option, you can only finance one item at a time, so every time you want to purchase a larger item, you’ll need to make a separate application. Repayments are set over a longer term from 6 months all the way up to 24 months.

Each of the Buy Now Pay Later options have their own set of approvals, but no matter what, Humm will never charge interest – ever!

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

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

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. No minimum spend is required.

The Q Mastercard is a convenient option as you can use it for everyday and at the same time arrange for those bigger purchases with longer payment plans to suit your needs.

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

Gem Visa

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.

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% store as they are locally owned.