Want to spread the cost of your purchase over time without paying interest? We've got you covered. Trade Tested offers interest-free finance through Q Card and Q Mastercard, so you can get what you need now and pay it off over 6 or 12 months.
What Q Card is
Q Card and Q Mastercard are local finance cards that let you make purchases on interest-free terms with selected retailers, Trade Tested included. If you already have one, you can use it on your next order. If you don't, getting set up is straightforward and you can usually be approved in a few minutes.
6 Months interest free, no payments
For purchases of $300 or more, you can choose 6 months interest free with no payments and no interest for the full 6-month promotional period.
| Detail | |
|---|---|
| Minimum purchase | $300 |
| Maximum purchase | $50,000 |
| Promotional period | 6 months, no payments, no interest |
| Advance / establishment fee | None |
| After the promo period | Minimum monthly payment of 3% of the outstanding balance, or $10, whichever is greater |
12 Months interest free
For purchases of $500 or more, you can choose 12 months interest free with regular monthly payments.
| Detail | |
|---|---|
| Minimum purchase | $500 |
| Maximum purchase | $50,000 |
| Promotional period | 12 months interest free |
| Establishment fee (new cardholders) | $55 |
| Advance fee (existing cardholders) | $35 |
Ongoing account fees and standard rate
These apply to both finance options:
- Annual account fee: $50
- Standard interest rate (after the interest-free period ends, or on non-promotional purchases): 28.95% p.a.
You'll only pay interest on any balance left over after the interest-free period ends, so paying it off before the promo period wraps up means you'll pay no interest at all.
How to use Q Card at checkout
If you already have a Q Card or Q Mastercard, you can use it as a payment option directly in our online checkout:
- Add your items to the cart and head to checkout on tradetested.co.nz.
- Choose Q Card as your payment method.
- Select the interest-free option that suits (6 months or 12 months) and sign in with your Q Card details.
- Once it's processed, your order goes through to our normal dispatch process.
Prefer to do it over the phone? Just give us a call on 0800 800 880 and we'll walk you through it.
Don't have a Q Card yet?
You'll need to apply with Q first before you can use Q Card finance at our checkout. Head to qmastercard.co.nz to apply. Approval is usually quick. Once your card is set up, you can use it on your Trade Tested order and on future orders too.
Q Card support
For anything specific to your Q Card or Q Mastercard (applications, statements, payments, balance enquiries), get in touch with Q directly:
- Q Mastercard support: 0800 119 100
- Online: qmastercard.co.nz
For anything to do with your Trade Tested order itself, get in touch with us using the details below.
Get in touch
- Phone: 0800 800 880
- Email: support@tradetested.co.nz
- Hours: Mon–Sat, 9am – 5pm
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