Current Finance Promotions

Q-Card/Q-Mastercard

18 MONTHS INTEREST FREE!
Minimum purchase $250. Minimum monthly payments required. Offer ends 30/09/2021.
View full T’s&C’s below.

12 MONTHS PAYMENT HOLIDAY & INTEREST FREE
Minimum purchase $250. No monthly payments required for 12 months. Offer ends 30/09/2021.
View full T’s&C’s below.

Gem Visa

18 MONTHS INTEREST FREE!
Minimum purchase $250. Minimum monthly payments required. Offer ends 30/09/2021.
View full T’s&C’s below.

12 MONTHS DEFERRED & INTEREST FREE
Minimum purchase $250. No monthly payments required during the stated period. Offer ends 30/09/2021.
View full T’s&C’s below.

Always Available Finance Offers

Available to direct to consumer customers and at participating Galaxy Spas dealerships.

12 MONTHS INTEREST FREE!
Available with Q Card / Q Mastercard or with Gem Visa.
Minimum purchase $250. Minimum monthly payments required.
View full T’s&C’s below.

New to Interest Free Finance? Sign up now!

It takes 5 minutes and once approved, you’re ready to start your spa journey…

Apply Now on the Q Card Website

Apply Now on the Gem Visa Website

Already a Gem or Q Cardholder? Get in touch with your nearest dealer now…

Terms & Conditions

Q Card

INTEREST FREE PERIODS
Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout the interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period e.g. 12 months interest free. $50 Annual Account Fee applies, paid in 6 monthly instalments ($25 applied on opening and every six months thereafter). New Cardholder fee – $55 Establishment. Existing Cardholder fee – $35 Advance. Standard Interest Rate, currently 25.99% p.a. or 22.95% p.a. (depending on your card) applies to any outstanding balance at end of a payment holiday or interest free period. Lending criteria, fees, terms and conditions apply. Rate and fees are correct as at date of publication, subject to change.

PAYMENT HOLIDAY & INTEREST FREE
No payments and no interest for 12 months (“Payment Holiday”) is available on Long Term Interest Free (LTIF) purchases until 30.09.21. Minimum spend $250 Annual Account Fee of $50 applies. An Establishment fee of $55 applies to your first LTIF transaction, a $35 Advance Fee applies to all subsequent LTIF transactions. Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of Payment Holiday. Lending criteria, fees, Ts&Cs 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. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated Rate and fees are correct as at date of publication, subject to change.

Gem Visa

INTEREST FREE PERIODS
Normal credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa / $50 Gem CreditLine), apply. 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. Prevailing interest rate (currently Gem Visa 25.99% p.a./ Gem CreditLine 29.95% p.a.) applies to any remaining balance on the expiry of the interest free period. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.

DEFERRED & INTEREST FREE
12 months interest free with no repayments during the stated period. Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa/$50 Gem CreditLine). Minimum purchase $250. Payment for your purchase will be deferred for the stated period. During this period, no interest will accrue and no monthly payments need to be made. If you do not pay the outstanding balance in full before the end of the deferred payment period, the amount payable will accrue interest and will be included in your monthly statement. Prevailing interest rate (currently Gem Visa 25.99% p.a./Gem CreditLine 29.95% p.a.) applies after any interest free term ends. Credit provided by Latitude Financial Services Limited.