Interest Free

1. Conditions of 60 Months Interest Free until July 2026: Available to approved Latitude Go Mastercard customers on transactions made between 12/07/21 and 31/08/21 where the amount financed is $1000 or more. Offer available on purchases from Harvey Norman franchises. Excludes mobile phones, gaming consoles, gift cards, digital cameras and lenses, hot water system supply & installation, Octopuss installation services, Microsoft Surface Studio, Apple, Miele and Harvey Norman Customer Direct products. Excludes brands and other products that are offered for sale under agency agreements with Harvey Norman franchises. Offer available on advertised or ticketed price. Total amount is payable by 60 approximate equal monthly instalments (exact amounts specified in your statement). If there is an outstanding balance after the interest free period ends in July 2026, interest will be charged at 25.90%. This notice is given under the Latitude GO MasterCard Conditions of Use, which specify all other conditions for this offer. Account Service fee of $8.95 per month applies. Also available to existing CreditLine, Latitude Gem Visa and Buyer’s Edge customers. Refer to product websites for conditions, fees and charges. Credit is provided by Latitude Finance Australia (ABN 42 008 583 588). Australian Credit Licence 392145.
2. From 12 July to 31 August 2021, approved Latitude Latitude Go Mastercard, Creditline, Latitude Gem Visa and Buyers Edge customers (Eligible Customers) who purchase products on Interest Free (using credit provided by Latitude Finance Australia under Australian Credit Licence 392145) from participating Harvey Norman®, Domayne® or Joyce Mayne® Franchisees with a purchase price of $1,000 or more (Eligible Purchase) will be eligible to receive one (1) Harvey Norman®, Domayne® or Joyce Mayne® gift card (Gift Card). The applicable Gift Card value is based on the purchase price of the Eligible Purchase: spend $1,000 or more and receive a $50 Gift Card; spend $2,000 or more and receive a $100 Gift Card; spend $3,000 or more and receive a $150 Gift Card; spend $4,000 or more and receive a $200 Gift Card; spend $5,000 or more and receive a $250 Gift Card; spend $6,000 or more and receive a $300 Gift Card; spend $7,000 or more and receive a $350 Gift Card; spend $8,000 or more and receive a $400 Gift Card; spend $9,000 or more and receive a $450 Gift Card; spend $10,000 or more and receive a $500 Gift Card. The Eligible Customer will receive the Gift Card when they take delivery of their purchased products. Gift Cards are issued by Derni Pty Ltd and expire 36 months from the date of issue. For Latitude Finance Australia terms and conditions see www.latitudefinancial.com.au. Gift Card terms and conditions available in store and online at www.harveynorman.com.au.

Conditions of 24 months equal monthly payments (Instalment Interest Free Promotion) until 31/12/2021: Available upon request to approved Latitude GO Mastercard customers on transactions made between 16/03/21 and 31/12/21 where the amount financed is $300 or more. Offer available on purchases from Harvey Norman franchises. Total amount is payable by 24 equal monthly payments (exact amount will be specified in your statement). As the equal monthly payment plan (Instalment Interest Free Promotion) is for a term less than 33 months, the minimum monthly payment will be greater than an interest free payment for the same term and you may pay more interest on any other outstanding balance on your credit card account, as your repayments will be allocated to this plan first. If you don’t make your minimum monthly payment, for two consecutive months, you agree that all equal monthly payment plans (Instalment Interest Free Promotion) with a term less than 33 months will change to a minimum monthly payment plan (Interest Free Promotion) for the remainder of the original plan term. If there is an outstanding balance after the interest free period ends interest will be charged at 25.90% p.a. This notice is given under the Latitude GO Mastercard Conditions of Use, which specify all other conditions for this offer. Account Service fee of $8.95 per month applies. Also available to existing CreditLine, Latitude Gem Visa and Buyer’s Edge customers. Refer to product websites for conditions, fees and charges. Credit is provided by Latitude Finance Australia (ABN42008583588). Australian Credit Licence 392145.

Conditions of 24 months equal monthly payments (Instalment Interest Free Promotion): Available upon request to approved Latitude GO Mastercard customers on transactions made between 06/05/21 and 31/12/21 where the amount financed is $300 or more. Offer available on purchases from Harvey Norman franchises. Total amount is payable by 24 equal monthly payments (exact amount will be specified in your statement). As the equal monthly payment plan (Instalment Interest Free Promotion) is for a term less than 33 months, the minimum monthly payment will be greater than an interest free payment for the same term and you may pay more interest on any other outstanding balance on your credit card account, as your repayments will be allocated to this plan first. If you don’t make your minimum monthly payment, for two consecutive months, you agree that all equal monthly payment plans (Instalment Interest Free Promotion) with a term less than 33 months will change to a minimum monthly payment plan (Interest Free Promotion) for the remainder of the original plan term. If there is an outstanding balance after the interest free period ends interest will be charged at 25.90% p.a. This notice is given under the Latitude GO Mastercard Conditions of Use, which specify all other conditions for this offer. Account Service fee of $8.95 per month applies. Also available to existing CreditLine, Latitude Gem Visa and Buyer’s Edge customers. Refer to product websites for conditions, fees and charges. Credit is provided by Latitude Finance Australia (ABN42008583588). Australian Credit Licence 392145.

Conditions of 1000 Days Interest Free on Computer Products: Available to approved Latitude GO Mastercard customers on transactions made between 01/07/21 and 31/12/21 where the amount financed is $825 or more. Offer available on purchases from Harvey Norman franchisees. Excludes gift cards and Harvey Norman Customer Direct products. Excludes brands and other products that are offered for sale under agency agreements with Harvey Norman franchises. Offer available on advertised or ticketed price. Minimum monthly payments must be made during the interest free period, and interest and payments are payable after the interest free period. Paying only the minimum monthly payment will not pay out the loan before the end of the interest free period. If there is an outstanding balance after the interest free period ends, interest will be charged at 25.90%. This notice is given under the Latitude GO Mastercard Conditions of Use, which specify all other conditions for this offer. Account Service fee of $8.95 per month applies. Also available to existing CreditLine, Latitude Gem Visa and Buyer’s Edge customers. Refer to product websites for conditions, fees and charges. Credit is provided by Latitude Finance Australia (ABN 42 008 583 588). Australian Credit Licence 392145.

Conditions of 500 Days Interest Free on Computer Products: Available to approved Latitude GO Mastercard customers on transactions made between 01/07/21 and 31/12/21 where the amount financed is $425 or more. Offer available on purchases from Harvey Norman franchisees. Excludes gift cards, Harvey Norman Customer Direct products. Excludes brands and other products that are offered for sale under agency agreements with Harvey Norman franchises. Offer available on advertised or ticketed price. Minimum monthly payments must be made during the interest free period, and interest and payments are payable after the interest free period. Paying only the minimum monthly payment will not pay out the loan before the end of the interest free period. If there is an outstanding balance after the interest free period ends, interest will be charged at 25.90%. This notice is given under the Latitude GO Mastercard Conditions of Use, which specify all other conditions for this offer. Account Service fee of $8.95 per month applies. Also available to existing CreditLine, Latitude Gem Visa and Buyer’s Edge customers. Refer to product websites for conditions, fees and charges. Credit is provided by Latitude Finance Australia (ABN 42 008 583 588). Australian Credit Licence 392145.

Conditions of 24 Months Interest Free until July 2023: Available to approved Latitude GO Mastercard customers on transactions made between 12/07/21 and 31/08/21 where the amount financed is $300 or more. Offer available on purchases from Harvey Norman franchises. Excludes mobile phones, gaming consoles, gift cards, digital cameras and lenses, hot water system supply & installation, Octopuss installation services, Microsoft Surface Studio, Apple, Miele and Harvey Norman Customer Direct products. Excludes brands and other products that are offered for sale under agency agreements with Harvey Norman franchises. Offer available on advertised or ticketed price. If there is an outstanding balance after the interest free period ends in July 2023, interest will be charged at 25.90%. This notice is given under the Latitude GO Mastercard Conditions of Use, which specify all other conditions for this offer. Account Service fee of $8.95 per month applies. Also available to existing CreditLine, Latitude Gem Visa and Buyer’s Edge customers. Refer to product websites for conditions, fees and charges. Credit is provided by Latitude Finance Australia (ABN 42 008 583 588). Australian Credit Licence 392145.

Conditions of No Deposit, No Interest, No Payments for 18 Months on Air Conditioners only: Available to approved GO MasterCard customers on transactions made between 16/03/21 and 30/04/22, where the amount financed is $500 or more. Offer available on purchases from Harvey Norman franchisees. Offer available on advertised or ticketed price. If there is an outstanding balance after the interest free period ends, interest will be charged at 25.90%. This notice is given under the GO MasterCard Conditions of Use, which specify all other conditions for this offer. Account Service fee of $8.95 per month applies. Also available to existing Creditline, Gem Visa and Buyer’s Edge customers. Refer to product websites for conditions, fees and charges. Credit is provided by Latitude Finance Australia (ABN 42 008 583 588). Australian Credit Licence 392145.

Conditions of No Deposit, No Interest, No Payments for 12 Months on Cooking Appliances. Available to approved GO MasterCard customers on transactions made between 16/03/21 and 30/04/22 where the amount financed is $300 or more. Offer available on purchases from Harvey Norman franchisees (excludes Miele products. Also excludes brands and other products that are offered for sale under agency agreements with Harvey Norman Franchisees). Offer available on advertised or ticketed price. If there is an outstanding balance after the interest free period ends, interest will be charged at 25.90%. This notice is given under the GO MasterCard Conditions of Use, which specify all other conditions for this offer. Account Service fee of $8.95 per month applies. Also available to existing Creditline, Gem Visa and Buyer’s Edge customers. Refer to product websites for conditions, fees and charges. Credit is provided by Latitude Finance Australia (ABN 42 008 583 588). Australian Credit Licence 392145.

Conditions of No Deposit, No Interest with Monthly Payments for 12 months: Available to approved Latitude GO Mastercard customers on transactions where the amount financed is $300 or more. Offer available on purchases from Harvey Norman franchisees (excludes gift cards, gaming consoles, iTunes cards and Miele products. Also excludes brands and other products that are offered for sale under agency agreements with Harvey Norman Franchisees). Minimum monthly payments must be made during the interest free period, and interest and payments are payable after the interest free period. Paying only the minimum monthly payment will not pay out the balance before the end of the interest free period. Offer available on advertised or ticketed price. If there is an outstanding balance after the interest free period ends, interest will be charged at 25.90%. This notice is given under the Latitude GO Mastercard Conditions of Use, which specify all other conditions for this offer. Account Service fee of $8.95 per month applies. Also available to existing Creditline, Latitude Gem Visa and Buyer’s Edge customers. Refer to product websites for conditions, fees and charges. Credit is provided by Latitude Finance Australia (ABN 42 008 583 588). Australian Credit Licence 392145.

Conditions of No Deposit, No Interest, with Monthly Payments for 12 Months on Vacuum Cleaners: Available to approved GO MasterCard customers on transactions made between 16/03/21 and 30/04/22 where the amount financed is $300 or more. Offer available on purchases from Harvey Norman franchisees. Offer available on advertised or ticketed price. Minimum monthly payments must be made during the interest free period, and interest and payments are payable after the interest free period. Paying only the minimum monthly payment will not pay out the loan before the end of the interest free period. If there is an outstanding balance after the interest free period ends, interest will be charged at 25.90%. This notice is given under the GO MasterCard Conditions of Use, which specify all other conditions for this offer. Account Service fee of $8.95 per month applies. Also available to existing Creditline, Gem Visa and Buyer’s Edge customers. Refer to product websites for conditions, fees and charges. Credit is provided by Latitude Finance Australia (ABN 42 008 583 588). Australian Credit Licence 392145.

Conditions of 24 months equal monthly payments (Instalment Interest Free Promotion): Available upon request to approved Latitude GO Mastercard customers on transactions made between 26/07/21 and 30/06/22 where the amount financed is $300 or more. Offer available on purchases from Harvey Norman franchises. Excludes gift cards, Digitally Activated Content, Harvey Norman Customer Direct products. Excludes brands and other products that are offered for sale under agency agreements with Harvey Norman franchises. Total amount is payable by 24 equal monthly payments (exact amount will be specified in your statement). As the equal monthly payment plan (Instalment Interest Free Promotion) is for a term less than 33 months, the minimum monthly payment will be greater than an interest free payment for the same term and you may pay more interest on any other outstanding balance on your credit card account, as your repayments will be allocated to this plan first. If you don’t make your minimum monthly payment, for two consecutive months, you agree that all equal monthly payment plans (Instalment Interest Free Promotion) with a term less than 33 months will change to a minimum monthly payment plan (Interest Free Promotion) for the remainder of the original plan term. If there is an outstanding balance after the interest free period ends interest will be charged at 25.90% p.a. This notice is given under the Latitude GO Mastercard Conditions of Use, which specify all other conditions for this offer. Account Service fee of $8.95 per month applies. Also available to existing CreditLine, Latitude Gem Visa and Buyer’s Edge customers. Refer to product websites for conditions, fees and charges. Credit is provided by Latitude Finance Australia (ABN42008583588). Australian Credit Licence 392145.

Conditions of No Deposit, No Interest with Monthly Payments for 6 months: Available to approved Latitude GO Mastercard customers on transactions where the amount financed is $150 or more. Offer available on purchases from Harvey Norman franchisees (excludes gift cards, iTunes cards and Miele products. Also excludes brands and other products that are offered for sale under agency agreements with Harvey Norman Franchisees). Minimum monthly payments must be made during the interest free period, and interest and payments are payable after the interest free period. Paying only the minimum monthly payment will not pay out the balance before the end of the interest free period. If there is an outstanding balance after the interest free period ends, interest will be charged at 25.90%. This notice is given under the Latitude GO Mastercard Conditions of Use, which specify all other conditions for this offer. Account Service fee of $8.95 per month applies. Also available to existing Creditline, Latitude Gem Visa and Buyer’s Edge customers. Refer to product websites for conditions, fees and charges. Credit is provided by Latitude Finance Australia (ABN 42 008 583 588). Australian Credit Licence 392145.