How do I make an interest free purchase?
If you are already an existing Once Credit customer:
Simply present your Once Visa card at our showroom and our sales person will advise you which interest free promotions are currently available. You can then make additional interest free purchases up to your available credit limit.
If you are not currently a Once Credit customer:
Applications can be done in our showroom. You can apply if you are:
18 Years of age or over at the time of application;
Employed and earning more than $30,000 gross per year;
A permanent Australian resident; and
Not a discharged bankrupt or currently bankrupt; and
Not currently in default or have outstanding Writs or Summons
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What is interest free and how does it work?
A Once Line of Credit facility gives you access to promotional offers such as interest free at participating retailers. Where an interest free period applies, no interest is payable on the amount of the purchase during the interest free period. Pay the balance in full before the interest free period ends and you won’t pay any interest at all on the purchase. There is no penalty for paying the loan off early either.
What’s more, you can also re-use your account for other interest free purchases in-store or online at participating merchants.
How much can I borrow on interest free finance?
Finance, for purchases, is usually available for any amount between $500 and $20,000 (subject to lending criteria and approval).
Are there any fees?
Yes, these are advised to you in the Conditions of Use and Credit Guide booklet as well as your Credit Offer. Please ensure you read and understand these before you apply.
There is a low one off establishment fee of $70 and this fee is debited to your account once it has been established and forms part of the outstanding balance. There is also a $4.95 Monthly Account Keeping Fee applicable while there is outstanding balance on your account.
What is the minimum repayment required?
Contractually, the minimum monthly repayment required is only 3% of the outstanding balance or $40, whichever is greater. Please note, making only the minimum monthly repayment will not pay out the purchase within the interest free period.
When is my first payment due?
The first payment is due one (1) month after the account is settled by Once unless there is a payment deferred period.
What is the Annual Percentage Rate?
The Annual Percentage Rate (APR) applicable will be specified in the Credit Offer. This is the rate that will be charged for card transactions and purchases using the Once Visa card. This rate also applies to cash advances and withdrawals. If an interest free period applies to your purchase, then NO interest will be charged on that particular purchase for the duration of the interest free period. After the interest free period expires, interest will be payable on any outstanding balance at the APR.
What can I buy on finance?
Finance is available for purchases of your next Patio, Carport or Deck. Please note that discounted prices or special offers are not available when using a finance option.