Interest Free Finance Information

Get it now!

Don't already
have Finance?

It's easy to apply!

Do you have an
existing qcard?

Automatically receive 36 months interest free on all orders over $300 when you choose Qcard at checkout.

Do you have an
existing Gem Visa?

Automatically receive 6 months interest free at checkout on orders over $250, or contact us for 36 months interest free on orders over $750.

WHAT IS INTEREST FREE FINANCE?
 
 

Evo Cycles' interest free offers give you the option to ride now and pay later. As long as you pay the full amount before the end of the term you will pay no interest.* Minimum monthly payments are required by all of our finance providers and vary for each transaction. Please see full terms below for details on minimum payments.

We have a range of interest free finance terms and providers available from 3-36 months. Choose the payment provider that works for you, so you can ride now and pay later.

What finance offers can I get at Evo Cycles?
 
 

QCARD

Up to 36 months interest free. Minimum spend for 36 months interest free: $300

36 months interest free automatically applied at checkout on all orders over $300. 3 months interest free automatically applied on orders under $300.

View terms & conditions

GEM VISA OR GEM CREDITLINE

Up to 36 months interest free. Minimum spend for 36 months interest free: $750

GEM VISA - 6 months interest free automatically applied at checkout on orders over $250 - contact us for longer terms.

GEM CREDITLINE - 120 days interest free automatically applied at checkout on orders over $100 - contact us for longer terms.

View terms & conditions

Finance Now

12 Months Interest Free Finance with 36 Months to pay. There is no minimum spend. A good option for those with limited credit history.

View terms & conditions
fees and minimum repayment information
QCard Gem Visa Gem CreditLine Finance Now
Application Fee $55 $55 Discontinued Applications $60
Advance Fee $35 $0 $0 $0
Account Fee $50 annually
(Two $25 payments 6 months apart)
$52 annually
Charged on the anniversary of your account
$50 annually $2.95 monthly service fee
Minimum Spend for 36 Months Interest free $300 $750 $750 Only 24 months Interest Free Available.
Minimum repayment amount per month 3% of remaining balance or $10 whichever is greater. 3% of remaining balance or $20 whichever is greater. 3% of remaining balance or $20 whichever is greater. The customer pays equal monthly instalments for the full term of the contract.
Prevailing Interest Rate 25.25% 25.45% 29.95% 19.9%

All fees, rates and repayments correct at 20th September 2016. Please check with finance provider for full current terms and conditions.

How do I get a different finance term online?
 
 

To get a different finance term than the default one applied at checkout for your card, click the 'Finance This' button on the product you are interested in, or fill out our finance form here. You can also call us on 0800 424 537 ext 2328.

How does finance work in-store?
 
 

Our sales team can help you with your finance application in-store. Just let them know what you're after and they'll work out a great deal for you!

I want to make an interest free purchase
 
 

Already have one of these cards?

Use your Q Card at checkout and get 36 months on purchases over $300, or 3 months interest free on purchases under $300.

Use your Gem Visa at checkout and get 6 months interest free. Apply now to get a different interest free term.

Still have question about Interest Free Finance? Call us on 0800 424 537 or email us now sales@evolutioncycles.co.nz

Disclaimer:
*All Finance deals are carried out between the customer and the finance providers, Evolution Cycles acts as a facilitator between the two parties. All "from per week" payments indicated on products are only indications of the lowest amount payable per week for the principal amount borrowed and do not account for annual account fees that are charged by finance companies. Prevailing interest rate (up to 25.45% p.a.) applies after interest free term ends. Credit and lending criteria, $55 establishment fee and $52 annual account fee apply. Gem Visa and Gem CreditLine are provided by Latitude Financial Services Limited. A minimum purchase amount may be required. Account fees may apply. Available on Flexi Payment, Fixed Installment or EFTPOS Plans. For interest free only deals, monthly payments may be required throughout interest free period. Q Card Standard Interest Rate applies to any outstanding balance at end of payment holiday or interest free period. Q Card lending criteria, fees, terms and conditions apply.

Finance Now Disclaimer:
*All weekly payments are indicative only and are based on an interest rate of 19.9%pa and include a $2.95 monthly service fee and a $60 establishment fee. Details of finance (including weekly payments, the total amount repayable over the term of the loan, interest rate and any applicable fees) can be confirmed with a detailed quote in store. Full disclosure of all of the terms of your finance will also be provided to you in the Finance Now disclosure statement for your consideration prior to confirmation of your purchase. All finance is subject to Finance Now terms and conditions and approval criteria