Finance Options

Why wait?

At By Dezign, we understand that furniture can represent a significant investment. So we want to offer you the flexibility to go shopping without having to worry about the outright financial outlay! When you find a product you love, don’t wait to get your finances in order when you could purchase the product on the spot with the help of one of our financing options.

Financing Options

To assist you with your purchases, By Dezign offers 12 and 24 month interest free* financing plans from GEM Visa.

These finance products are available to existing and approved applicants and allow you to spend up to the designated credit limit at any participating retail outlets. If you are not an existing applicant, all it takes is a simple application process either online at home, or in store. You will be sent monthly financial statements to track your available credit and the progress of your repayments…just like a credit card!

Gem Visa CardGem Visa

With the help of an interest free payment plan, you can pay only a 20% deposit on any single transaction over $1000, with the remainder to be paid in monthly instalments over either 12 months or 24 months. The best news…if you pay off your loan within the 12 or 24 month interest free period, you won’t pay any interest whatsoever!

12 Months Interest Free:

    • $1000 minimum purchase amount
    • 20% minimum deposit (excluding custom orders)
    • 12 months interest free period
    • Minimum monthly repayments
    • Interest Free Finance is not available for items advertised as 'Cash or Credit Card Only' in-store

24 Months Interest Free:

    • $1500 minimum purchase amount
    • 20% minimum deposit (excluding custom orders)
    • 24 months interest free period
    • Minimum monthly repayments
    • Additional surcharge
    • Interest Free Finance is not available for items advertised as 'Cash or Credit Card Only' in-store

How can I avoid paying any interest?

If you elect to pay the outstanding balance in full before the expiry of the interest free period, you won’t be required to pay any interest on that purchase. You can select whether you wish to pay off the loan over equal monthly instalments, or pay only the minimum monthly repayments, followed by a lump-sump payment before the end of the interest free period. The following table forms a quick guide to avoid interest entirely!

Payment Plan Finance Amount
$1000 $2000 $3000 $4000 $5000
12 months interest free $87 $170 $254 $337 $420
24 months interest free n/a $87 $129 $170 $212
Minimum monthly repayment $40 $60 $90 $120 $165

Please note: Minimum monthly repayment is 3% of your balance, or $25 - whichever is greater.

Fees & charges

View 'Fees & Charges' page for a full list of applicable fees.

How can I apply on my own?

Our friends at GE have now made the finance process easier than ever! You can now apply online for your preferred finance amount, and receive an instant response and credit limit. That way, you’ll know exactly how much finance you have to go shopping with!

Apply Now

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