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Holiday Trading FAQs

Finance with Q Mastercard® and Q Card

Whether you’re buying a beautiful rug or putting new flooring through all of your home, you can make your big purchases on our interest free or payment holiday terms. These easy finance options give you that much needed ‘breathing space’ or even the option to upgrade to something you may have your heart set on. Lending criteria, fees, terms and conditions will apply. See below for details. All of our Flooring Xtra stores offer interest free finance options. You can apply online today for pre-approval with Q Mastercard® and you could to take advantage of our great interest free offers. Alternatively, one of our friendly team members can help you with the application process in store.

Terms & conditions

^36 months interest free is available on Flexi Payment Purchases for in-store purchases $1000 and over. Offer ends 31 January 2022. Columbus Financial Services Limited reserves the right to amend, suspend or terminate the offer and these terms and conditions anytime without notice. Annual Account fee of $50 applies. New Cardholder Fee – $55 Establishment. Existing Cardholder fee – $35 Advance. Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of the interest free period. Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change.

^^Approved applicants only. Fees, terms, conditions & minimum finance amounts apply, incl $50 annual Account Fee (a fee of $25 applied to your Account on opening and every 6 months thereafter). Annual Account Fee must be paid in full within 55 days or it will attract interest. Minimum monthly repayment required. Interest at the Standard Interest Rate is payable on outstanding balances after the expiry of any Start-up Interest Period. See qmastercard.co.nz for current interest rates and applicable fees. ^The indicative repayments are only an estimate and results should be used as an indication only. They do not represent either a quote or pre-qualification or approval. To take advantage of the Start-up Interest Free Period, the indicative monthly repayments stated would need to be made by the due date for each statement period. Therefore, you repay the purchase amount on your Q Mastercard in full within the Start-up Interest Period. In this instance, the indicative monthly repayment is the finance amount divided by the Start-up Interest Period. The indicative repayments assume there are no additional purchases, cash withdrawals, fees or charges are incurred. If there is a Payment holiday in addition to the Start-up Interest Period, you will be required to make the minimum monthly payments upon expiry of such Payment Holiday. Only available at selected Q Mastercard retail partners. Credit provided by Columbus Financial Services Limited NZBN 9429041632529


Q: How do I apply for finance?
A: If you don't already have a Q Card or Q Mastercard, you can apply in store or online. Bring in your current identification e.g. NZ Driver Licence or Passport. We will process the application and advise you of the outcome. Apply at home here. If approved simply take your current NZ Driver Licence into your Flooring Xtra store so that we can process the transaction.

Q: What fees do I get charged when I apply?
A: If your application is approved, an annual account fee of $50 applies. $25 is applied to your account on opening and every 6 months thereafter. An establishment fee of $55 is charged when you open your account and use Long Term Finance (such as 18 months no payments & no interest). For more information about Q Mastercard Fees, click here.

Q: How long does it take for my application to be processed?
A: It will take approximately 10 minutes to complete the application in our store. Your sales consultant will enter this into the Q Mastercard system which gives you a decision of the outcome.

Q: When I make a purchase, can I split my payment between cash or Eftpos and put the balance on Q Mastercard or Q Card finance?
A: Yes, you can separate your payment like this. If we have available a special finance offer there may be a minimum spend amount that applies for transactions.