Easy Finance

Have it now! Take advantage of our finance options available at iRelax.



Gem Visa is a general-purpose credit card. It gives 6 months interest-free on all Visa purchases over $250. It may also be used for long term retail finance in around 2000 participating stores throughout New Zealand.

You must:
Be 18 years or over
Be a permanent resident of New Zealand
Able to supply:
Passport or Driver’ s License
Income and expense details
Employer’ s name and contact details
Your email address

Learn more > https://www.gemfinance.co.nz/credit-cards/gem-visa-card/



Q Card

Q Card is a credit card that gives Q Cardholders a minimum of 3 months no payments and no interest when they use their Card for in-store and online purchases. Today, Q Card has a prominent place in the wallets of thousands of New Zealanders, helping them buy the things that matter.

Q Card is provided by Consumer Finance Limited, a member of the Flexi Cards Group of companies.

With a massive (and still growing) store network, we offer our customers a path to a great shopping experience.


Q Card is your perfect shopping partner for purchases big or small, combining the benefits of a credit card with a range of interest-free deals and payment holidays.

Q Card offers a range of competitive interest-free deals and payment holidays. Whether you’re planning a holiday or refurnishing your home, you can make your big purchases on our interest free or payment holiday terms that give you ‘breathing space’ .




Oxipay is a flexible payment solution backed by FlexiGroup New Zealand Limited providing customers with a smarter way to buy what you want now by splitting the payments over four easily managed payments.

What is Oxipay?
Oxipay lets you spread the cost of your purchases over 4 fortnightly payments, making buying what you want that much easier.

Who can use Oxipay?
You can access Oxipay if you:

Live in New Zealand
Are at least 18 years old
Have a valid and verifiable email address and a New Zealand mobile number
Have a New Zealand Mastercard or Visa credit or debit card
Have a New Zealand residential and shipping address
Have a New Zealand drivers licence
How do I use Oxipay?
Oxipay can be used at any Oxipay retailer. Simply select Oxipay as your payment method during the checkout process.

What does it cost to use Oxipay?
Nothing, as long as each of your payments reaches us by the due date.

What are the fees for late payment?
If your payments don’t reach us by the due date, we will charge you a late payment fee of $10. A $30 collection fee may also be applied if any payment is still outstanding more than 7 days after your due date.




Who can use Afterpay?
Afterpay is available as a payment option if you:

Are over over 18 years of age
Live in New Zealand
Have a valid and verifiable email address and mobile number
Use a New Zealand credit or debit card to make the purchase
First time users will need to create an account.

Split your purchase into 4 equal instalments
Pay for your purchase over 4 instalments, due every two weeks. You’ll pay your first installment at the time of purchase, and the remainder over time.

Pay nothing extra when you pay on time
Afterpay is always zero interest, and there are never additional fees when you pay on time. The only fees are for late payments. Afterpay will email your payment schedule and send notifications so there are no surprises.

Enjoy instant approval decision and shipment
You’ll know you’ve been approved within seconds. Orders ship as they would with any other form of payment, as quickly as you choose. Delay the pay, not your gratification.



Zip account
Apply in minutes for your Zip account online, via checkout or using our mobile app.

Pay in 4
Get it now, but spread your purchase across 4 equal fortnightly payments.

Interest free
Every purchase you make with Zip is interest free. Online or instore.

How does Zip work?
Zip allows you to make purchases and take your goods straight away, but pay 25% up-front with the rest charged over 3 fortnightly interest free instalments.

How do I sign up with Zip?
You can sign up when checking out on TheMarket or at zip.co/nz. The sign-up process takes 2-3 minutes and you need to be 18 years or older and have an NZ debit or credit card.

What if I don’t have an NZ Driver Licence or get an ID failed message when applying?
Zip needs to identify you. You can get manually ID verified as part of the signup or checkout process with other forms of ID (this process can take up to 24 hours) so just follow the prompts.

Are there any hidden fees?
There are no fees and interest costs to shop with Zip if you make your payments on time. If you miss a payment you will be charged an $8 default fee per week it is late (capped at $40 total late fees per purchase).

Why can’t I shop with Zip again straight away?
If you are a new Zip customer, you will need to wait until your 2nd instalment has been paid (2 weeks after purchase) before you can shop with Zip again.