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Arise teamed up with Latitude, the only provider that can offer you Interest Free payment plans on a Latitude Gem Visa credit card with terms from 24 to 60 months*
Also available on other participating Latitude credit cards. For eligible purchases above a minimum financed amount using an Equal Monthly Payment Plan. T&Cs and monthly credit card fee (currently $10.95) will apply. Other credit card fees and charges may apply. Exclusions may apply.
Learn MoreLatitude Interest Free FAQs
What is Latitude Interest Free?
Latitude Interest Free offers flexible Interest Free payment plans to suit your needs. From 6-60 months, Latitude Interest Free gives you access to a range of Interest Free offers. Existing Latitude Gem Visa, Latitude GO Mastercard, CreditLine and Buyer’s Edge credit card customers can checkout using Latitude Interest Free payment plan.
How does Latitude Interest Free work?
Latitude Interest Free credit cards such as Latitude Gem Visa or Latitude GO Mastercard work like normal credit cards but offer the added functionality of Interest Free payment plans. There are three different types of Interest Free payment plans:
Minimum Monthly (Interest Free Promotion)
$2000 TV on 24 months Minimum Monthly = customer required to pay a minimum payment each month. The residual balance of the payment plan will incur interest once the Interest Free period is over. Customers can make extra payments at any time with no penalties.
Equal Monthly (Instalment Interest Free Promotion)
$2000 TV on 24 months Equal Monthly = customer pays the purchase price in 24 equal monthly installments ($83.33). If paid on time the balance is cleared by the end of the Interest Free Plan period.
Flexible (Buy Now Pay Later Promotion)
$2000 TV on 24 months flexible = customer not required to pay any amount during the Interest Free payment plan period. Customers can make payments at any time with no penalties. This unpaid balance of the payment plan will incur interest once the Interest Free period is over.
How much can I borrow with Latitude Interest Free payment plan?
Your approved credit limit will depend on your financial situation. The minimum credit limit for Latitude Gem Visa is $1,000 and there is a monthly account service fee.
What can I buy on Latitude Interest Free payment plan?
Look for the Latitude Interest Free logo when browsing online or in-store to know what products are eligible. The minimum purchase amount is different across retailers. Gift cards are excluded.
How do I pay off my Latitude Interest Free payment plan?
You will receive a monthly statement that highlights the minimum payment required and the available payment options. Bank transfer, direct debit,debit card and BPAY are available.
How do I manage my Latitude Interest Free payment plan?
You can manage your account from the Latitude Mobile App or Latitude Service Centre. Search Latitude App in the App Store or Google Play.
*Approved customers only using an Equal Monthly Payment Plan. Monthly credit card fee applies, currently $10.95 (subject to change). Minimum spend applies to different plan term(s): minimum spend $600 for 24 months, $900 for 36 months, $1200 for 48 months and $1500 for 60 months. After the interest free plan ends interest will be charged on any outstanding balance at the expired plan rate, currently 29.99% p.a. (subject to change). If you miss a payment late fees will apply and interest may apply. Interest may also be charged on other purchases and transactions made on your Latitude credit card. Latitude Credit Card General Terms and Conditions set out the T&Cs for the Latitude Gem Visa credit card. Credit provided by Latitude Finance Australia ABN 42 008 583 588 Australian Credit Licence number 392145.
If term is less than 33 months If you fail to make your equal monthly payment for two consecutive months, you agree that your Equal Monthly Payment Plan with a term of fewer than 33 months will change into a Minimum Monthly Payment Plan for the remaining duration of the initial plan term.
