Interest Free Finance

Q Card Long Term Finance

At Trade Tested you can get interest free finance on qualifying purchases with Q Mastercard® or Q Card. Choose the option that suits you — available online at checkout, by phone, or in-store.

Our Finance Options

• 6 Months No Payments & No Interest — on purchases of $300 and over. No fees.
• 12 Months Interest Free — on purchases of $500 and over.

How to Use Q Card Finance

Online: Select Q Card as your payment method at checkout, choose your preferred finance option, and follow the prompts.

By Phone: Call us on 0800 800 880 and provide your Q Mastercard® or Q Card details. Our team will process your transaction.

If you don't already have a Q Card, you can apply at qmastercard.co.nz. Approval is subject to standard lending criteria.

For full details on both finance options, visit our Q Card Long Term Finance page.

Finance Conditions & Q Card Fees

Interest free finance is available on Long Term Finance (LTF) via Q Card Flexi Payment Plans. Annual Account Fee of $50 applies. New Q Cardholder fees: $55 Establishment Fee (12-month option). Existing Q Cardholder fee: $35 Advance Fee (12-month option). The 6-month payment holiday has no Advance or Establishment Fees. Q Card Standard Interest Rate of 28.95% p.a. applies to any outstanding balance at end of the interest free period. Q Card lending criteria, fees, terms and conditions apply. Rates and fees correct as at date of publication, subject to change. For more information about Q Mastercard Fees, visit qmastercard.co.nz/things-to-know.

If you need help, please call us on 0800 800 880 or the Q Mastercard Customer Support line on 0800 119 100.