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Finance & Loan

We are pleased to offer several finance options to suit your needs. These include Gem Visa, Finance Now, part pay or after pay and Q Card. Please select the option that best fits your requirements.


We are pleased to offer an exclusive financing option with Gem Visa for all purchases of $250 or more, both in-store and online. With Gem Visa, you can enjoy 12 months interest-free financing. Please note that normal credit and lending criteria and fees apply, and Gem Visa/Gem Credit Line is provided by Latitude Financial Services Limited.

For in-store purchases, simply ask our staff for further details. For online purchases, if your order total is above $250 when you check out, you will see an extra payment option to pay with Gem Visa and take advantage of the 12-month interest-free financing offer.


 Find a flexible loan option with affordable payments to help you manage life’s surprises or plan ahead for purchases or events.

With a personalized Finance Now Loan anything's possible

Get what you want, now.

Whatever life throws at you we’ve got a personal loan to suit. Borrow from $1,000 up to to $60,000.

Fast Approvals. Apply Online.

A loan application only takes a few minutes. As soon as you've finished, we'll let you know if you've been approved - Simple!

Get Money within 24 hours

We'll let you know if you've been approved and contact you to arrange payment and the completion of the contract.

Initial Application Criteria Checklist

Here’s what you’ll need to complete your application:

  • You must be a NZ Citizen / Permanent Resident and currently living in New Zealand.
  • You must be older than 18 years of age.
  • Your fortnightly or monthly income (after tax)
  • Your employment details
  • Current proof of identity (Passport or Drivers License)

Apply now


We understand that our customers have different payment preferences, and that's why we offer additional financing options such as the Farmers Card and Q Card from Fisher & Paykel Finance Limited.

We are happy to inform you that you can use your Farmers Finance Card and Q Card to make purchases in-store at BRIGHTHOME, subject to approval from Q Card. Please note that account fees may apply, and Q Card lending criteria, fees, terms, and conditions also apply.

At present, we are not able to accept online payment with Farmers Finance Card and Q Card. However, you can apply for a Q Card online or visit us in-store to take advantage of this payment option. Please note that an extra charge may be applied for in-store payment.

For more information on the benefits of Q Card or its terms and conditions, please click on the provided links.




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