It will take around 10 minutes to complete the application form
6 MONTHS INTEREST FREE
Spend $250 or more and enjoy 6 months interest-free at any of our stores and online, Visa card is accepted. Use it in-store, online and worldwide
LONG-TERM INTEREST FREE
Enjoy a good night's sleep now, pay later, and 12 months of interest-free deals with Beds4U including online, and in-store
Things you should know: Normal credit and lending criteria and fees, including a Gem Visa $55 establishment fee and $52 annual fee (charged $26 half-yearly) apply. The prevailing interest rate (currently 28.99% p.a.) applies to any remaining balance on the expiry of the interest-free period. 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. The amount payable will be shown on your monthly statement.
CONSULT WITH YOUR LOCAL SLEEP EXPERTS
We have 23 bed stores across North Island. You can chat, call, or visit us in-store to find your best mattress and sleep essentials—all for your needs.
Minimum monthly repayments required. 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.
How do Gem Visa payments work?
For our standard interest free terms, each purchase requires a minimum monthly payment of 3% of the owing balance (in total - or $20, whichever is greater). For instalment interest free terms, a fixed monthly payment is required in order to have this paid off by the interest free expiry date.
Can I use my Gem Visa to pay bills?
Gem Visa is loaded as a bill payee with most major banks. Select Gem Visa from your bill payments options and follow the instructions to set up regular payments.