Interest Free Finance | Gem Visa
Buy Now, Pay Later with Gem Visa (Latitude Finance)
Interest-Free Finance on Baby Essentials
Preparing for your baby can come with big upfront costs — from cots and prams to car seats and nursery furniture. With Gem Visa Buy Now, Pay Later, you can spread the cost over time and enjoy interest-free periods on eligible purchases.
At Babies.co.nz, we’ve partnered with Gem Visa to help make parenting more affordable from day one.
What is Gem Visa?
Gem Visa, provided by Latitude Finance, is a flexible payment option that lets you shop now and pay later with extended interest-free terms.
Depending on your purchase amount, you can access:
- 6 months interest-free on purchases over $250
- 12 months interest-free on purchases over $1,000
This gives you the flexibility to manage larger purchases without paying interest during the promotional period.
Why Use Gem Visa Buy Now, Pay Later?
Spread the Cost of Big Purchases
Perfect for higher-value items like nursery furniture, prams, and car seats.
Interest-Free Periods Available
Pay no interest during the promotional term (conditions apply).
Flexible Payment Options
Make manageable monthly repayments that suit your budget.
Shop Online or In-Store
Use Gem Visa both online and in-store for added convenience.
Shop Baby Essentials with Gem Visa
Use Gem Visa across a wide range of products, including:
- Baby cots and nursery furniture
- Prams, strollers, and travel systems
- Car seats and safety gear
- Baby essentials and everyday items
Buy what you need now and pay it off over time.
How to Use Gem Visa
Getting started is simple:
-
Shop Online or In-Store
Add your items to cart or speak with our team in-store -
Select Gem Visa at Checkout
Choose Gem Interest Free as your payment option -
Choose Your Plan
Select the interest-free period that suits your purchase -
Pay with Your Gem Visa Card
Use your existing card or apply during checkout -
Enjoy Your Purchase Now
Take your items home or have them delivered straight away
Apply for Gem Visa
Don’t have a Gem Visa card yet? You can apply during checkout or in-store.
Applications are quick, and approval is subject to lending criteria.
Important Information
- Minimum purchase amounts apply for interest-free offers
- Minimum monthly repayments are required
- Interest applies to any remaining balance after the interest-free period ends
- Fees, terms, and conditions apply
Terms & Conditions
Gem Visa is provided by Latitude Financial Services Limited.
- 6 months interest-free available on purchases $250+
- 12 months interest-free available on purchases $1,000+
- $55 establishment fee applies
- $65 annual fee (charged $32.50 half-yearly)
- Standard interest rate currently 29.49% p.a. applies after the interest-free period
- Cash advance rate 29.95% p.a. with a $2 fee
- Minimum monthly repayments (3% of balance or $20, whichever is greater) apply
Paying only the minimum monthly repayment may not repay the balance within the interest-free period.
For full details, visit Latitude Finance.
Shop Now, Pay Later with Confidence
Make the most of flexible Buy Now, Pay Later with Gem Visa and give your baby the best start — without the upfront financial pressure.
👉 Shop now and choose Gem Visa at checkout
FAQs
Is Gem Visa interest-free?
Yes — for the promotional period (6 or 12 months), provided you meet the terms.
Can I use Gem Visa on all products?
Most products are eligible, subject to minimum spend requirements.
What happens after the interest-free period?
Any remaining balance will incur the standard interest rate.
