Finance Options

AVAILABLE ONLINE & IN STORE

Own the way you pay with Zip

Choose Zip at checkout to own it now and pay it later. Your items will be delivered now and paid off in interest free installments.

How does it work?

  • Nothing to Pay today. We pay the store. you take the goods, the same day.
  • Flexible repayments. Pay us back hew you like - weekly. fortnightly or monthly.
  • Interest free. Available on purchase up to $900.

What you need

  • Verified Facebook or PayPal account
  • To be over 18 years of age
  • To live in Australia
  • Good credit history for approval

How to use this service

  • Shop online and add items to your cart as normal
  • In checkout, select Zip as your payment method
  • Sign in to your Zip account and click 'Complete Order'
  • You'll recieve a 6-digit code via SMS - enter this code when prompted to complete your order.

Zip Payment Options

Zippay

Account limit under $1,000
  • Interest free always. Every transaction you make with Zip Pay is interest free always.
  • Add your Zip card to Apple or Google Pay to shop everywhere Visa is accepted.
  • From $10 pw. Set your schedule to weekly, fortnightly or monthly.
  • No establishment fees. $6 monthly fee waived if you have no balance.

ZipMoney

Account limit over $1,000
  • Interest free for the first 3 months.
  • Get interest-free retail offers from 6-48 months.
  • Flexible repayments from $10 pw. Set your schedule to weekly, fortnightly or monthly.
  • One-off establishment fee (from $25). $6 monthly fee waived if you have no balance.

Zip Business Trade

$1,000 – $3,000
    • Peace of mind with an account that covers everyday and unexpected spending with quick funding and flexible repayments.
    • Ideal for everyday items, office supplies, social media ads and more
    • Decision time: In minutes
    • $200 minimum monthly repayment
    • $12 per month waived if you have zero balance
Terms and Conditions
 
Little things. Big things.

Everything. No interest ever.

Buy ‘Little things’
Up to $2,000 and choice to repay fortnightly in 5 or 10 slices - that's over 2.5 or 5 months1.
Buy ‘Big things’.
Flexible repayment terms depending on what you buy and where you shop.
Take it today and take time to pay - with no interest, ever1.
  • Shop now
  • Say I'll humm it when you pay
  • Sign up
  • Fast approval
  • Get the app
From the App Store or Google Play
  • Pay in slices
  • Fortnightly payments
What is humm?
Humm helps everyday Australians Buy Now Pay Later. Our payment plans are great value because humm customers pay no interest ever.
Who can humm?
You just need to tick these boxes:
  • Be a permanent resident of Australia
  • Be 18 years or older
  • Have a valid email address and mobile number
  • Have an Australian debit or credit card
  • Have an Australian drivers license, passport or Medicare card
  • For Big things you also need to have a permanent job (at least 25 hours a week) or be on aged/veteran's pension
I want to humm! Where do I start
This bit's super simple. First things first: depending on whether you're an Apple or Android person, go to either the App Store or Google Play and download the App.
Once you've got the App running, just follow the steps and you'll be good to go. Niiice!
How do I shop with humm?

Humm is fast and simple to use no matter where you prefer to shop. Online, simply select humm at checkout and you will be taken through to humm to confirm your payment. Instore, access the humm App and generate a barcode. Simply take this to the checkout with your purchase and they will scan or input the code.

With no interest, are the fees high?

No, they're not. When you buy a 'Big thing' you'll pay an establishment fee. Then you'll pay just $8 a month. For full details read your Continuing Credit Payment Plan agreement.

When you buy a 'Little thing', there are no fees if you choose to pay it back over 2.5 months. If you choose to pay over 5 months, you'll pay just $8 a month.

You will only ever pay single $8 monthly fee regardless of the number of ongoing humm payment plans you have.

Terms and Conditions
Apply & Buy Now
Enjoy Now. Pay Later.
Up to 60 months flexible interest free payment plans to suit your needs
Apply & buy within minutes
Simply apply for a Latitude Gem Visa product and complete your online purchase immediately
Flexible terms
Choose from a range of plan terms up to 60 months that suit your monthly repayment needs
Shop with partners
Shop Interest Free with Latitude Gem Visa at thousands of retailers
Flexible payments
Repay your purchase over your chosen term

*Approved customers only. The plan is payable by 60 approximate equal monthly instalments (exact amounts specified in your statement). At the end of the plan, interest will be charged at 24.99%. A $99 annual fee applies for Latitude Gem Visa. This notice is given under the Latitude Gem Visa Conditions of Use (as applicable), which specify all other conditions for this offer. Also available to CreditLine, GO Mastercard and Buyer’s Edge customers. Other conditions, fees and charges apply, see product websites for details. Credit is provided by Latitude Finance Australia (ABN 42 008 583 588), Australian Credit Licence number 392145.

**Approved customers only. Available on advertised or ticketed price. Payable by 50 approximate equal monthly instalments (exact amounts specified in your statement). At the end of the plan, interest will be charged at 24.99%. A $99 annual fee applies for Gem Visa. This notice is given under the Gem Visa Conditions of Use (as applicable), which specify all other conditions for this offer. Also available to CreditLine, GO MasterCard and Buyer’s Edge customers. Other conditions, fees and charges apply. Credit is provided by Latitude Finance Australia (ABN 42 008 583 588), Australian Credit Licence number 392145. Offer valid till 31 December 2020 unless withdrawn or varied by notice published by Amart Furniture on our Schedule of Finance Terms and Conditions page.

The Latitude Group recommends that you read the Terms and conditions and Privacy and Credit Reporting Policy of the website. The Latitude Group is a leader in consumer finance in Australia and New Zealand offering a range of services: including personal loans, car loans, credit cards, personal insurance, interest free and promotional retail. In Australia, the Latitude Group includes: Latitude Financial Services Australia Holdings Pty Ltd (ABN 46 603 161 100); Latitude Finance Australia (ABN 42 008 583 588 Australian Credit Licence Number 392145); Latitude Personal Finance Pty Ltd (ABN 54 008 443 810 Australian Credit Licence Number 392163) and Latitude Automotive Financial Services (ABN 80 004 187 419 Australian Credit Licence Number 392178) trading as Latitude Financial Services. LatitudePay Payment Plan provided by LatitudePay Australia Pty Ltd ABN 23 633 528 873. In New Zealand, the Latitude Group includes: Latitude Financial Services Limited (Company number 5624865). Latitude Financial Services 800 Collins Street, Docklands, Victoria 3008.

How Afterpay Works

Afterpay allows you to purchase in four instalments, due every 2 weeks.

For example, if you purchase an item for $200, you pay 4 instalments of $50. There is no additional cost to use Afterpay

All of your payments are interest-free, and you will receive your order right away.

Shop now.
Pay later.

Buy what you want today, pay for it in four instalments, interest-free.

Pay for your purchases over four simple instalments

Pay for your purchase over four instalments, due every two weeks. Afterpay makes it simple to pay over

 

Shop online

  • 1. Browse your favourite stores.
  • 2. Choose Afterpay as your payment method.
  • 3. Create your account and complete your purchase.

Pay nothing extra when you pay on time

If you make payments on time, you will only ever pay the price of the item you purchased. The only fees charged are late fees for missed payments.

 

Shop in-store

  • 1. Get the app, find an in-store retailer.
  • 2. Visit the store and generate a barcode.
  • 3. Scan the barcode when it’s time to pay.

No new card applications, approval decision online

Forget about long, complicated application forms. Afterpay makes it quick and easy to checkout.

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