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Latitude Finance

 
Key features and benefits:
The plans have been created to suit your lifestyle and budget, so whatever you’re looking for – there’s a plan for you
• You can also use your Gem Visa as an everyday credit card. Shop with ease – anywhere, anytime.
• There is no penalty if you choose to pay out your plan early
How 0% interest free finance works:
To receive 6 months interest free on any purchase, all you need to do is meet the terms of the promotion (minimum spend amount) and pay using your Gem Visa credit card – it's that simple. The 6 months interest free is then automatically applied to your account.
• For longer interest free terms, if you're already a cardholder, select % Interest Free at checkout to see which interest free promotions are currently available (minimum spends will apply). You can then purchase up to your available credit limit. 
FAQ’s:
Who can create a Gem Visa card? 
Applicants must be 18 years of age and a permanent resident of Australia to be eligible for a Gem Visa card.
What is the approval criteria for Gem Visa? 
Like most financial institutions, Gem Visa work on a credit check system and will consider if the card is unsuitable for you given all the circumstances. Gem Visa also need to make sure they are identifying the right person, to prevent fraud. Gem Visa take many things into consideration when reviewing an application. And, while they don’t disclose the specific details of our criteria, if you’re declined they’ll let you know in writing.
When can I expect to receive an answer on my application? 
If you apply online and provide all the necessary information, Gem Visa can give an answer on your application within 60 seconds in most instances. In some instances further information may be required to process an application. If further information is required Gem Visa will inform you during the application process.
What will my credit limit be? 
Credit limits vary from person to person. The information you supply in your application will help Latitude Finance determine your credit limit. If your application is approved, Latitude Finance will then let you know your credit limit.
Do I have to pay off my interest free purchase before I can use my card again? 
No. You can shop again, up to your available credit limit and make additional interest free purchases or just use the card as you would a normal credit card. To avoid interest on these transactions, you must pay off all long term interest free balances before their expiry date. This may mean you have to pay off other balances too. See Conditions of Use booklet for details.
How will I track when my payments are due? 
You'll receive a statement every month, showing the minimum monthly payment amount you're required to make and the due date, plus any overdue payments and over limit amounts. You can choose to receive email alerts to remind you when your payments are due. Simply log-on to the Online Service Centre to set-up alerts.
How are the minimum monthly repayments calculated? 
The amount you need to repay appears on your monthly statement. If monthly payments are required, it's calculated at 3% of the total outstanding balance or $25, whichever is greater (plus any overdue payments and over limit amounts and any instalments payable on instalment purchases). You can set up a direct debit to make sure your minimum monthly payments are made on time automatically.Remember, to avoid any interest charges at the end of your interest free period, it is likely that you will need to pay more than the minimum monthly payment each month.
What is Instalment Interest Free? 
Instalment Interest Free is one of the two 0% Interest Payment Plans available on Temple & Webster. With equal monthly payments, you’ll know exactly how much to pay each month. Plans vary and are only available during select promotional periods. Review available promotions online to discover if this plan is available for you.
Can't find what you're looking for? Visit the Gem Visa website.

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