Latitude - Buy now. Pay later.

Buy today, with more time to pay.

Latitude Interest Free account

Apply for a Latitude Gem Visa Credit Card with a limit that suits your needs.

Latitude Interest Free account

Everyone's different. That's why our partnership lets you tailor your payments to suit your lifestyle.

Latitude Interest Free account

Latitude offers 12 or 24 month interest free terms.

How Interest Free payment plans work

Latitude offers different payment plans for you to access at various retailers. If you have a balance remaining at the end of your chosen Interest Free payment plan period, interest will apply.

Equal monthly

With equal monthly payments, you’ll know exactly how much to pay each month. Plans vary and are only available during select promotional periods.

Minimum monthly

You need to make a minimum payment each month, but you have the flexibility to make extra payments at any time. Plans start from 12 months.

12 or 24 month Interest Free payment plans

A Latitude Interest Free payment plan is an easy and flexible payment method which gives you the freedom to buy today, with more time to pay. There are two instalment payment plans available for duration12 and 24 months. Repayments are flexible to suit your lifestyle; equal monthly and minimum monthly, you can pay as much as you like as long as you meet your minimum monthly repayments (advised at the time of sign up).

  Duration 12 months Duration 24 months
Mimimum purchase $1,000 $1,500
Interest Free period 12 months 24 months
Setup fee No setup fee No setup fee
Payment plan options Equal monthly and minimum monthly Equal monthly and minimum monthly
Payment frequency Monthly Monthly
Monthly account fee $10.95 (subject to change by Latitude) $10.95 (subject to change by Latitude)
Exclusions Giftcards, selected products Giftcards, selected products
Late fee Learn more about Latitude fees here Learn more about Latitude fees here

12- & 24-month Interest Free (Minimum Monthly):
Minimum spend amounts differs across promotional plan terms
*Approved customers only. Monthly payments required (exact amounts specified in your statement). Minimum spend applies to different plan term(s): minimum spend $1,000 for 12 months and $1,500 for 24 months. Paying only the minimum monthly payment will not pay out the purchase before the end of the plan. If there is an outstanding balance after the interest free period ends, interest will be charged at the Expired Promotional Purchase Rate, currently 29.99% (subject to change). Interest may also apply to other credit card transactions or if you do not comply with the T&Cs. Conditions of use set out the T&Cs of the Latitude Gem Visa credit card. Credit provided by Latitude Finance Australia ABN 42 008 583 588 Australian Credit Licence number 392145.

12- & 24-month Interest Free (Equal Monthly):
Minimum spend amounts differs across promotional plan terms.
*Approved customers only. Equal monthly payments required (exact amounts specified in your statement). Minimum spend applies to different plan term(s): minimum spend $1,000 for 12 months and $1,500 for 24 months. If there is an outstanding balance after the interest free period ends, interest will be charged at the Expired Promotional Purchase Rate, currently 29.99% (subject to change). Interest may also apply to other credit card transactions or if you do not comply with the T&Cs. Conditions of use set out the T&Cs of the Latitude Gem Visa credit card.

If you fail to make your minimum monthly payment for two consecutive months, you agree that your equal monthly payment plans (Instalment Interest Free Promotion) with a term of fewer than 33 months will change into a minimum monthly payment plan (Interest Free Promotion) for the remaining duration of the initial plan term. Credit provided by Latitude Finance Australia ABN 42 008 583 588 Australian Credit Licence number 392145.

Frequently asked questions