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![Bygone Cumberland and Westmorland. [Illustrated.] by Daniel Scott](https://d3fa68hw0m2vcc.cloudfront.net/images/autosize/45518542.jpeg?width=219&height=285&format=auto "Bygone Cumberland and Westmorland. [Illustrated.] by Daniel Scott")
Pay on a plan with participating Gem credit cards. Minimum spend applies. Monthly payments required. T&Cs, fees & charges apply. Exclusions may apply.
Get it on an Interest Free* plan with a participating Gem credit card today.
Apply for a Gem Visa credit card here and receive a decision within 60 seconds (responsible lending criteria applies).
Once approved, select your ideal payment plan & checkout using your account number.
*Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees of $65 (charged $32.50 half yearly). Prevailing interest rate (currently Gem Visa 29.49% p.a./Gem CreditLine 29.95% p.a.) applies after any interest free term ends. Amount payable will be shown on your monthly statement. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies.
Interest Free plans (6 & 12 Months) - Minimum purchase $250. Minimum monthly payments required. Paying only the minimum monthly repayment of 3% of the outstanding monthly balance or $20 (whichever is more), may not be sufficient to repay the purchase amount(s) within the promotional period.
Instalment Interest Free plans (12 Months) – Minimum purchase $100. Maximum purchase $1,200. Equal monthly payments required. As the Instalment Interest Free plan is for a period of less than 36 months, the minimum monthly payment under this plan is greater than the usual interest free repayment for the same term. If you don't make your minimum monthly payment as provided in your statement, for two consecutive months, you agree that 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.
Further information on rates and fees can be found at gemfinance.co.nz. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card. Credit provided by Latitude Financial Services Limited.
