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Maybe you've just got to have that big-screen TV in time for the test match - or perhaps your fridge has unexpectedly given up the ghost. At Folders, we have a helpful range of finance options to suit your budget.

When choosing the best finance plan for you, it's good to start by looking at your current commitments. For example, if you have other hire purchase payments, when are they due to expire? Are there other events coming up that will mean extra expense e.g. Christmas, birthdays, back-to-school costs?

Here are some ways Folders may be able to help you finance your purchase (subject to applicable credit and lending criteria):

1. Interest Free deals allow you to pay off your appliance over time, without interest costs, for a certain period. It's important to be aware that if you haven't paid it off in full when the interest-free period comes to an end, then you'll be paying interest on the remaining balance from then onwards. Interest free deals are regularly advertised or promoted in-store – so keep an eye out!

2. Payment Holiday or an Interest Free - Deferred Payment offer is an advertised period from the purchase date during which you are not required to make repayments nor do you incur any interest. This type of finance plan may be suitable when you have other financial commitments that need to be paid off before you take on new commitments. Sometimes it also can be helpful to defer payments till after a major event like Christmas. These offers are often promoted as "No Payments, No Interest" till a specified date. Once the payment holiday period is over repayments must start and interest will begin to be incurred.

3. Up to "X" number of months to pay provides an interest bearing option for you to spread your payments over a period with "a number of months" terms available for you to choose from. If your financial situation changes you are fully able to make additional lump sum payments to reduce or totally repay the contract without penalties, provided you do so before the end of the specified period.

4. Fixed versus Flexi Finance Payments need to be understood when you are signing up for either Interest Free or Interest Bearing finance. A contract based on fixed payments has equal sized payments for each month. In contrast a "flexi" payment plan requires you to pay a minimum 3% of the outstanding balance.

5. Credit cards are another option. At Folders we accept all major credit cards; as well as Q-Card, GE CreditLine, Farmlands, and Farmers Card.


QMasterCard is smarter than your average credit card because you get a three-month payment holiday – with no repayments and no interest for the first three months. Your Q Card comes with a pre-approved credit limit. You can use it buy a wide range of goods at hundreds of New Zealand retailers. You can find out more on the Q-Card website, and apply for a Q-Card online.
With Gem Visa get 6 months interest free on any Visa purchase over $250 – anywhere, anytime. Long term interest free offers are also available at over 2,000 retail outlets and service providers across New Zealand. You can find out more on the Gem Visa website and apply for a Gem Visa card online.
GE Creditline works in the same way as a credit card, and you can use it through EFTPOS and ATMs. When you use your GE card for any EFTPOS purchase over $100 at Folders, you can get 120 days interest free with deferred payments. (In other words, you won't need to pay a cent for almost four months). GE CreditLine also offers long term promotional terms (interest free start-up, deferred payment and interest bearing terms).
Farmers Card is also welcome at Folders. There's no annual fee, and you get up to 55 days interest free. As a cardholder you'll also get access to exclusive deals and discounts.
Farmlands Card is available for those who are members of Farmlands Co-operative. Gives you access to 3000 retailers nationwide including us at Folders.
For RD1 members the RD1 SuperCard gives you access to great deals at more than 2000 retailers across the country including us at Folders