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with interest free payment plans to suit your needs.

An Instalment Plan Advance is a specific type of Instalment Interest Free payment plan. Please refer to your Gem Visa Conditions of Use for terms specific to this plan, including in regards to the application of payments.

Approved customers only. The amount payable will be shown on your monthly statement. Minimum and maximum purchase amounts may apply.

If you don't make your minimum monthly payment as provided on your monthly statement, for two consecutive months, all Instalment Interest Free plans with a period of less than 36 months will change to an Interest Free plan for the remainder of the original plan's term.

Lending criteria, T&C's and fees apply, including a $55 establishment fee and $65 annual fee ($32.50 half yearly). Standard interest rate (currently 29.49% p.a.) applies at the end of the interest free term. Credit provided by Latitude Financial Services Limited.