Everyday Interest Free Terms & Conditions

As At February 2024

FULL INTEREST FREE TERMS & CONDITIONS:

    1. Approved customers only.

    2. Available on participating Latitude credit cards only.

    3. Available to approved customers where the amount financed in a single
    transaction is:
        a. 6 Months Interest Free offer - $250 and above;
        b. 12 Months Interest Free offer - $300 and above;
        c. 24 Months Interest Free offer - $600 and above;
        d. 36 Months Interest Free offer - $1000 and above;
        e. 50 Months Interest Free - $1,500 and above.

    4. For the minimum monthly payment plans, monthly payments must be made during
    the interest free period. Paying only the minimum monthly payment will not pay out
    the purchase before the end of the plan. Interest and payments are payable on
    any outstanding balance after the interest free period expires.

    5. For the equal monthly payment plans, depending on the amount financed the plan
    is payable by either 6, 12, 24, 36 or 50 approximately equal monthly instalments
    (exact amount specified in your statement). At the end of the interest free period,
    interest will be charged on any outstanding balance.

    6. For each 6, 12 or 24 month equal monthly payment plans, the equal monthly
    payment will be greater than a minimum monthly payment for the same term, and
    you will pay more interest on any other outstanding balance on your credit card
    account, as your repayments will be allocated to the 6, 12 or 24 equal monthly
    payment plan first. If you don’t make your minimum equal monthly payment for two
    consecutive months, you agree the plan will change to a minimum monthly
    payment plan for the remainder of the original term, and the conditions relating to
    the minimum monthly payment plans will apply.

    7. If there is an outstanding balance after the interest free period ends on any plan
    (minimum monthly payment plan or equal monthly payment plan) interest will be
    charged at the Expired Promotional Purchase Rate, currently 29.99% p.a (subject to
    change).

    8. New orders only.

    9. Available in-store and online.

    10. Orders financed by an interest free offer cannot be paid using any other tender –
    eg. Freedom credits or gift cards cannot be accepted as part payment on interest
    free purchases.

    11. Not available at Freedom Kitchens or in conjunction with Gift Card purchases.

    12. This notice is given under the Latitude Gem Visa Conditions of Use, which specify all
    other conditions for this offer.

    13. Credit is provided by Latitude Finance Australia (ABN 42 008 583 588), Australian
    Credit Licence number 392145.

    14. Freedom’s standard terms and conditions of purchase otherwise apply.