Finance with Q Mastercard® and Q Card

Whether you’re buying a beautiful rug or putting new flooring through all of your home, you can make your big purchases on our interest free or payment holiday terms. These easy finance options give you that much needed ‘breathing space’ or even the option to upgrade to something you may have your heart set on. Lending criteria, fees, terms and conditions will apply. See below for details. All of our Flooring Xtra stores offer interest free finance options. You can apply online today for pre-approval with Q Mastercard® and you could to take advantage of our great interest free offers. Alternatively, one of our friendly team members can help you with the application process in store.

Terms & conditions

^18 months no payments & no interest is available on Flexi Payment Plans & Flexi Purchases for in-store purchases from 17th November 2020 to 31st January 2021. Minimum spend $1,000. Annual Account Fee of $50 applies. New Cardholder fees - $55 Establishment. Existing Cardholder fee - $35 Advance. Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Standard Interest Rate, currently 25.99% p.a. or 22.95% p.a. (depending on your card) applies to any outstanding balance at end of interest free period. Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change. The issuer reserves the right to amend, suspend or terminate the offer and these terms and conditions at any time without notice. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.


Q: How do I apply for finance?
A: If you don't already have a Q Card or Q Mastercard, you can apply in store or online. Bring in your current identification e.g. NZ Driver Licence or Passport. We will process the application and advise you of the outcome. Apply at home here. If approved simply take your current NZ Driver Licence into your Flooring Xtra store so that we can process the transaction.

Q: What fees do I get charged when I apply?
A: If your application is approved, an annual account fee of $50 applies. $25 is applied to your account on opening and every 6 months thereafter. An establishment fee of $55 is charged when you open your account and use Long Term Finance (such as 18 months no payments & no interest). For more information about Q Mastercard Fees, click here.

Q: How long does it take for my application to be processed?
A: It will take approximately 10 minutes to complete the application in our store. Your sales consultant will enter this into the Q Mastercard system which gives you a decision of the outcome.

Q: When I make a purchase, can I split my payment between cash or Eftpos and put the balance on Q Mastercard or Q Card finance?
A: Yes, you can separate your payment like this. If we have available a special finance offer there may be a minimum spend amount that applies for transactions.