Interest Free Offers

(Minimum Spend $999. Finance options are not available for online purchases).

Found that bed you’ve always wanted? With these interest free credit payment options, we can help you find an affordable way to get the right bed for you.

12 Months Interest Free

An Interest free plan allows you to make your purchases now and manage your payments over time, without paying any interest during the 12 months interest free period.

  • Minimum monthly payments are required. Making only these payments will not reduce your balance to zero during 12 months promotional period.
  • If you pay the outstanding balance in full before the end of the interest free period, you will avoid paying any interest.
  • Prevailing interest rate applies to any outstanding balance on the expiry of the interest free period.
  • Minimum Spend $999

12 Months Interest Free

An Interest free plan allows you to make your purchases now and manage your payments over time, without paying any interest during the 12 months interest free period.

  • Minimum monthly payments are required. Making only these payments will not reduce your balance to zero during 12 months promotional period.
  • If you pay the outstanding balance in full before the end of the interest free period, you will avoid paying any interest.
  • Prevailing interest rate applies to any outstanding balance on the expiry of the interest free period.
  • Minimum Spend $999

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X Month Installment Interest Free

An installment interest free plan allows you to make your purchases now and your payments are controlled with fixed, equal, interest free monthly installments during the X months interest free period (e.g. 48 months).

  • Daily installment payments in advertisements are indicative only
  • Installment amount will be included in the minimum monthly payment amount shown on your monthly statement.
  • If you pay all installments on due date, there will be no outstanding balance at the end of the installment interest free term.
  • Prevailing interest rate applies to any outstanding balance on the expiry of the interest free period.
  • Minimum Spend $999.

X Month Installment Interest Free

An installment interest free plan allows you to make your purchases now and your payments are controlled with fixed, equal, interest free monthly installments during the X months interest free period (e.g. 48 months).

  • Daily installment payments in advertisements are indicative only
  • Installment amount will be included in the minimum monthly payment amount shown on your monthly statement.
  • If you pay all installments on due date, there will be no outstanding balance at the end of the installment interest free term.
  • Prevailing interest rate applies to any outstanding balance on the expiry of the interest free period.
  • Minimum Spend $999.

Read more


Deferred Interest Free

Deferred Payment plans allows you to make your purchases now and have your  payments due at a later date with no interest charged during this time. You have the flexibility to manage your payments and if you pay for the amount in full before the end of the deferred payment period, you will not pay any interest.

  • During the deferred payment period, no interest will accrue, and no monthly payments need to be made.
  • If you pay the outstanding balance in full before the end of the deferred payment period, you will avoid paying any interest.
  • If you do not pay the outstanding balance in full before the end of the deferred payment period, the amount payable will include interest and will be included in the minimum monthly payment amount shown on your monthly statement.
  • Prevailing interest rate applies to any outstanding balance on the expiry of the interest free period.
  • Minimum Spend $999.

Deferred Interest Free

Deferred Payment plans allows you to make your purchases now and have your  payments due at a later date with no interest charged during this time. You have the flexibility to manage your payments and if you pay for the amount in full before the end of the deferred payment period, you will not pay any interest.

  • During the deferred payment period, no interest will accrue, and no monthly payments need to be made.
  • If you pay the outstanding balance in full before the end of the deferred payment period, you will avoid paying any interest.
  • If you do not pay the outstanding balance in full before the end of the deferred payment period, the amount payable will include interest and will be included in the minimum monthly payment amount shown on your monthly statement.
  • Prevailing interest rate applies to any outstanding balance on the expiry of the interest free period.
  • Minimum Spend $999.

Read more


At Beds R Us, we know beds inside out – and that’s important!

Why not visit our team in-store today and let our experts fit you to the perfect bed for a great night's sleep!
THINGS YOU SHOULD KNOW:
Finance options are not available online. No payments and no interest for 12 months (“Payment Holiday”) is available on Flexi Payment Plans. Offer is ongoing until further notice. Minimum spend $999. Annual Account Fee of $50 applies. Existing Cardholder fee – $35 Advance Fee. Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of Payment Holiday. Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change. Offer also available on Q Mastercard. New Cardholder Fee applies to new Q Mastercard accounts – $55 Establishment. See  mastercard.co.nz/apply for details on Q Mastercard.

At Beds R Us, we know beds inside out – and that’s important!

Why not visit our team in-store today and let our experts fit you to the perfect bed for a great night's sleep!
THINGS YOU SHOULD KNOW:
Finance options are not available online. No payments and no interest for 12 months (“Payment Holiday”) is available on Flexi Payment Plans. Offer is ongoing until further notice. Minimum spend $999. Annual Account Fee of $50 applies. Existing Cardholder fee – $35 Advance Fee. Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of Payment Holiday. Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change. Offer also available on Q Mastercard. New Cardholder Fee applies to new Q Mastercard accounts – $55 Establishment. See  mastercard.co.nz/apply for details on Q Mastercard.

Read more