Get 6 or 12 months interest-free on any purchase over $250. Inquire in-store for longer interest-free options

Available Online & In-store

Learn more

WORRY LESS and MORE Zzzz!

EASY

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: T&Cs & fees apply incl. a $55 Gem Visa establishment fee & annual fees ($65 Gem Visa - $32.50 charged half yearly/ $65 Gem CreditLine - $32.50 charged half yearly). Prevailing interest rate (Gem Visa 29.49% p.a./Gem CreditLine 29.95% p.a.) applies to any remaining balance on the expiry of the interest free term. For cash advances, an interest rate of 29.95% p.a. and fees of $2 Gem Visa/$6 Gem CreditLine applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Ltd.

CONSULT WITH YOUR LOCAL SLEEP EXPERTS

Your Local Sleep Experts – Now Across NZ, from North to South! You can chat, call, or visit us in-store to find your best mattress and sleep essentials—all for your needs.
FIND YOUR LOCAL STORE

OTHERS FINANCE OPTIONS
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Frequently asked questions

  • What is the minimum payment on Gem Visa?
    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.