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6 or 12 months. 0% interest free.

Why 0% Interest

A smart way to pay for things you really want today.

Manage your payments over time, without paying any interest during the 0% Interest period.

Have a participating card?

Any Gem Visa, CreditLine, Buyer’s Edge and GO MasterCard can be used to make 0% Interest purchases! Just select the 0% Interest payment option at checkout.

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Don't have a card yet?

Apply for a Gem Visa now and get a response within 60 seconds.

If approved, you can start shopping right away.

 

The smart way to pay for things you really want

At Kogan.com, we offer a choice of payment options, allowing you to choose the finance option that best suits your needs.

6 months 0% Interest
with monthly payments

Make monthly payments and pay the outstanding balance in full before the end of the 0% Interest period, to avoid paying any interest.

  • 6 months 0% Interest - with monthly payments on eligible purchases over $150 (excluding applied store credits and eVouchers).

Start Shopping →

12 months 0% Interest
with monthly payments

Make monthly payments and pay the outstanding balance in full before the end of the 0% Interest period, to avoid paying any interest.

  • 12 months 0% Interest - with monthly payments on eligible purchases over $1000 (excluding applied store credits and eVouchers).

Start Shopping →

 

Full terms and conditions →

Fees and charges

Pay No Interest

Pay your purchase in full before the end of the 0% Interest period and pay $0 interest. Check which plan you are on for details on monthly payments.

Interest is never backdated

Interest is never backdated, so if you have a balance at the end of your 0% Interest period, you’ll only pay interest on the remaining balance from that time onwards.

Annual Fee

For Gem Visa a $99 annual fee applies after your first purchase and on the anniversary of that first purchase every year afterwards.

Full terms and conditions →

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