Interest Free Furniture Finance with Latitude | A2Z Furniture
Spread the cost of a bigger furniture purchase with Latitude Interest Free — interest-free payment plans of up to 24 months through a participating Latitude credit card. Apply for (or use) a Latitude Gem Visa or GO Mastercard, choose your plan at checkout, and pay no interest as long as you clear the balance within the term. A monthly card fee applies. Available in store and online at The A2Z Furniture.
How Latitude Interest Free works
It's finance through a Latitude credit card — apply once, then use it here and at hundreds of other retailers.
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Choose your furniture
Pick what you want, in store or online.
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Apply or sign in
Apply for a Latitude card for a fast decision, or use your existing Latitude card.
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Choose your plan
Select your interest-free payment plan at the checkout.
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Pay it off in time
Make your monthly payments and clear the balance within the term to pay no interest.
Interest-free terms at The A2Z Furniture
Up to 24 months interest free
Our longest interest-free plan runs for 24 months and applies to purchases of $4,000 or more. Shorter interest-free terms — 6, 12 and 18 months — are available on smaller purchases. Minimum monthly payments apply throughout, and the available term depends on your purchase amount.
Which Latitude card can I use?
Latitude Interest Free runs on a participating Latitude credit card.
Apply for a card
Apply online for a Latitude Gem Visa or Latitude GO Mastercard in around 10 minutes, with a decision in about 60 seconds. Once approved, add it to your digital wallet and use it straight away.
Use your card
Existing Latitude Gem Visa, GO Mastercard, CreditLine and Buyer's Edge customers can check out on a Latitude Interest Free payment plan with their current card.
Fees, eligibility & credit assessment
Latitude Interest Free uses a credit card, so it's worth knowing the details before you apply.
Fees
- A monthly card fee applies — $10.95 (rising to $11.95 from 15 July 2026) — while you have a plan or balance.
- Other Latitude card fees and charges may apply.
- Pay your plan off early at any time, with no penalty.
Who can apply
- Be 18 or older and a resident of Australia (or a temporary resident with the right to work here for at least 12 months).
- Provide ID — a driver's licence, passport or Medicare card.
- Provide details of your income, living expenses and debts.
Credit assessment
- Because it's a Latitude credit card, a full credit assessment applies under responsible lending.
- Your application may appear on your credit file and affect your score.
- Your repayment history can affect your score and future borrowing.
Paying no interest
The key to Latitude Interest Free is clearing your plan within the term.
Pay it off within the term
Minimum monthly payments are required throughout your plan. On an equal-monthly plan, paying on time clears the balance by the end of the interest-free term.
On a minimum-payment plan, paying only the minimum may not clear the balance in time — so plan to pay it off before your term ends.
If a balance remains
Any amount still owing when your interest-free term ends is charged interest at the card's standard variable rate — currently 29.99% p.a. on the Gem Visa and GO Mastercard.
The good news: interest isn't backdated. It applies only to the balance left over, from the end of your term onwards.
Managing your plan & your security
Managing your plan
The Latitude App keeps everything in one place — track your balance and plans, see when payments are due, and tap to pay with your card added to your digital wallet.
Your security comes first
Latitude protects your account and personal information. The A2Z Furniture never sees or stores your full card details — they stay with Latitude.
Latitude Interest Free FAQs
Is it really interest-free?
Yes — as long as you make the minimum monthly payments and clear your plan within the interest-free term, you'll pay no interest. A monthly card fee applies. If a balance is left at the end of the term, interest is charged on that remaining amount.
How long are the interest-free terms at A2Z?
Up to 24 months. Our 24-month plan applies to purchases of $4,000 or more, and shorter terms (6, 12 and 18 months) are available on smaller purchases. The term available depends on your purchase amount.
Which Latitude card do I need?
New customers apply for a Latitude Gem Visa or GO Mastercard. Existing Latitude Gem Visa, GO Mastercard, CreditLine and Buyer's Edge customers can use their current card on a Latitude Interest Free plan.
Is there a fee?
Yes — a monthly card fee of $10.95 (rising to $11.95 from 15 July 2026) applies while you have an interest-free plan or a balance on the card. Other card fees and charges may apply.
What if I don't pay it off in time?
Any balance still owing at the end of your interest-free term is charged interest at the card's standard variable rate — currently 29.99% p.a. on the Gem Visa and GO Mastercard. Interest isn't backdated; it applies only to the remaining balance from the end of the term.
Can I pay it off early?
Yes — you can pay your interest-free plan off early at any time, with no penalty.
Will applying affect my credit score?
Latitude Interest Free uses a Latitude credit card, so a full credit assessment applies. The application may appear on your credit file, and your repayment history can affect your score and your future borrowing.
Helpful Latitude links
For full terms and the latest details, head to Latitude's official pages.
Latitude Interest Free is available on participating Latitude credit cards (Latitude Gem Visa, Latitude GO Mastercard, CreditLine and Buyer's Edge) to approved applicants only. Credit is provided by Latitude Finance Australia (ABN 42 008 583 588), Australian Credit Licence number 392145. A monthly card fee applies ($10.95, increasing to $11.95 from 15 July 2026), and other fees and charges may apply. Minimum monthly payments are required. Interest-free terms and minimum spends are set by The A2Z Furniture and apply to in-store and online purchases. Pay your plan off within the interest-free term to pay no interest; any balance remaining at the end of the term is charged interest at the card's standard variable rate (currently 29.99% p.a. on the Gem Visa and GO Mastercard, subject to change). Interest is not backdated. Always read the credit card's terms and conditions before applying. This page is general information only and is not financial advice.