Consumer Finance - New Zealand
Frequently Asked Questions

Key Product Features


Interest Free Offers
Available Until3 September 2018
Interest Free Period
Purchase Amount
0% interest for 18 months at Apple
$1,000 and over
Interest Free Period
Purchase Amount
0% interest for 12 months at Apple
$300 to $999
Interest Free Period
Purchase Amount
0% interest for 6 months at Apple
$250 to $299

Product Features : Gem Visa
Annual Fee$52
Monthly Account Fee$0
Establishment Fee$55
Minimum Credit Limit$500

Interest Rate 25.99% p.a.
The above interest rate will be charged on any balance outstanding (unpaid), at the end of the interest free period. This interest rate is also charged on EFTPOS/Cash transactions.

Minimum Monthly Repayments
Required
Refer to Gem Visa Statement
(Sent Monthly)


Education Store


Students and Teachers If you are a student, a teacher, administrator or staff member of any grade level, you may qualify for special pricing on Apple computers, software and select third party products.
Learn more

0% Interest : Terms and Conditions



0% Interest for 18 Months

Make a purchase over $1,000 inc. GST in Apple Online Store (via Telesales 0800-692-7753) using a Gem Visa or Gem CreditLine card and get interest free finance for 18 months.


0% Interest for 12 Months

Make a purchase between $300 and $999 inc. GST in Apple Online Store (via Telesales
0800 692 7753) using a Gem Visa or Gem CreditLine card and get interest free finance for 12 months.


0% Interest for 6 Months

Make a purchase between $250 to $299 inc. GST in Apple Online Store (via Telesales 0800 692 7753) using a Gem Visa or Gem CreditLine card and get interest free finance for 6 months.


Promotion Period

To be eligible for this interest free promotion purchase must be placed before 11:59pm NZST 3 September 2018.


Interest Free Offer with Minimum Monthly Repayments

The interest free period for this offer is 6 months, 12 months or 18 months (depending on the interest free period that you qualify for). Minimum monthly repayments must be made during the interest free period. Interest and repayments are also payable after the interest free period. Paying only the minimum monthly repayment will not pay out the loan before the end of the interest free period.


Apple Approved Channels

Orders must be placed with the Apple Online Store (via Apple Telesales, 0800 692 7753). Offer not available for purchases from Apple Resellers.


Card Type

Offer available for Gem Visa and Gem CreditLine cards only.


Minimum Order Amount

To be eligible for this interest free finance offer of 0% interest for 18 months, the total purchase amount must be over $1,000 inc. GST or more.

To be eligible for this interest free finance offer of 0% interest for 12 months, the total purchase amount must be over $300 inc. GST or more.

To be eligible for this interest free finance offer of 0% interest for 6 months, the total purchase amount must be $250 inc. GST or more.


Fees

$55 establishment fee, $52 annual account fee and a $0 monthly fee apply to Gem Visa cards acquired through Apple. Other fees and charges may apply. Cardholders who did not apply for Gem Visa card via Apple, should refer to their monthly statement for fee details or contact 0800 500 505.


Application Type

This 0% interest offer is available for Consumer Finance and Education purchases only. 
Business Finance and finance by Education Institutions is excluded from this promotion.


How to Apply


How to Apply?

Apply online or call 0800 692 7753.


How long does an application take?

An application takes approximately 10 minutes to complete.


How long before I get a decision?

Most customers will know the outcome of their application (Approved, Declined) instantly! Some customer applications will be referred for further assessment.


When can I start shopping?


Already have a Gem Visa or Gem CreditLine Card?

Call 0800 692 7753 to place your order using a Gem Visa or Gem CreditLine card.


What if I apply for a Gem Visa and my application is approved?

If you are approved, you will be notified immediately on-screen as well as by email. Once you have received your Approval Confirmation, Apple will automatically be notified. An Apple Mac Expert will contact you within 2 business hours to place your order. [Monday - Friday, 10:00am to 8:00pm NZST].


What if I apply for a Gem Visa and my application is declined?


If your Gem Visa application is unsuccessful you will be notified by email. In these instances, you will still be able to proceed with your Apple purchase should you wish to use an alternative payment method (such as an existing credit card).


Using the Card


How much can I borrow?

You will be issued with an account number that can be used for your first purchase. Your Gem Visa card will then be sent to you within 10 business days, for repeat purchases. You can buy any products with a total value over $250 from Apple Online Store (via Telesales, 0800 692 7753) up to your approved card limit.


What can I buy?

Once you have a card, you can purchase any item of your choosing over the value of $250 from Apple Online Store (via Telesales, 0800 692 7753). This includes hardware, software, and accessories. iTunes and App Store products are excluded.


How much will I be approved for?

Approved customers will have at least $1,000 available to spend on Apple products. The approved credit limit will vary by customer, based on individual financial circumstances.


What will my repayments be?

Your repayments will calculated and displayed on your monthly statement.


Can I enter my card details in the Apple Online Store check-out?

Gem Visa and Gem CreditLine cards are not integrated into Online Store Check-Out. This means that you will not be able to make your 0% interest purchase online. If you would like to purchase Apple products on 0% interest, please call Apple on 0800 692 7753 to place your order. Your products will then be shipped to you.


Customer Assistance


To Apply
To apply for a Gem Visa from Apple
0800 692 7753
Order Status
Gem Visa or Gem CreditLine card
customers can check the status
of their Apple order.
0800 692 7753
In-Progress Applications
For customers who have applied
for a Gem Visa but have not
yet received final approval.
0800 500 505
[Mon - Fri : 9:00am to 5:00pm]
Existing Customers
Gem Visa or Gem CreditLine
customers can update address
or check their account balance.
0800 500 505
[8:30am to 6:30pm, 7 Days]

Online Service Centre
Gem Visa or Gem CreditLine card customers can check the status of their account on the
Online Service Centre.


Online Service Centre

You can also manage your Gem Visa account via the Online Service Centre.

Features include
- Available 24 hours, 7 days
- Monthly Statements
- Credit Limit Increases
- Payment Notifications


When do my payments start?

Your repayments will commence 30 days after your purchase date, and will be charged monthly based on the outstanding balance on your card account.


Do I get a statement?

You will get a monthly statement showing your purchases, current card balance and monthly repayment required. You can choose to receive either online or paper statements.


Delivery Status : Online Orders

If you made your purchase from Online Store (via Telesales, 0800 692 7753) using a Gem Visa or Gem CreditLine card the delivery date in your order confirmation may not apply. Orders placed using a Gem Visa or Gem CreditLine card are ‘complete ship’. This means that your order will not be dispatched until all items in your order are available for shipping.

When your application is approved, you will receive an email notification with the updated delivery date.


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