Q Card Interest-Free Offers

Q Card provides flexible interest-free payment options to make your electrical projects more manageable:

6 Months Interest-Free

Available on purchases between $250 and $999. Pay no interest if you pay off the balance within 6 months.

12 Months Interest-Free

Available on purchases between $1,000 and $1,499. Spread your payments over a full year interest-free.

18 Months Interest-Free

Available on purchases $1,500 and over. Perfect for larger electrical projects with extended payment terms.

What Can You Finance?

Q Card financing can be used for virtually any electrical service we provide, including:

  • Heat pump installation and upgrades
  • EV charger installation
  • Complete house rewiring
  • Switchboard upgrades
  • Solar panel installation
  • LED lighting upgrades
  • SmartVent system installation
  • And all other electrical services

Eligibility Requirements

To apply for a Q Card, you need to:

  • Be 18 years or older
  • Be a New Zealand resident
  • Have a regular source of income
  • Provide proof of identity (driver's licence or passport)
  • Provide proof of income (recent payslips or bank statements)

Terms and Conditions

Important Information:

  • Interest-Free Period: Interest will not be charged during the promotional period if you pay the full purchase amount before the end of the interest-free period.
  • After Interest-Free Period: If the purchase amount is not paid in full by the end of the interest-free period, interest will be charged from the original purchase date at the standard Q Card interest rate.
  • Standard Interest Rate: The Q Card annual interest rate is 25.99% p.a. (as of 2026). This rate may change—check qcard.co.nz for current rates.
  • Account Fees: Q Card charges an annual account fee. Check current fee structure at qcard.co.nz.
  • Minimum Payments: You must make at least the minimum monthly payment by the due date to keep your account in good standing.
  • Credit Limit: Your approved credit limit will be determined by Q Card based on your financial situation.
  • Responsible Lending: Q Card and Silver Fern Electrical are committed to responsible lending practices.

⚠️ Important Reminder

To avoid paying interest: You must pay the full purchase amount before the end of the interest-free period. Set up reminders or automatic payments to ensure you don't miss the deadline.

If you're unsure whether you can pay off the balance within the interest-free period, calculate your required monthly payments before making the purchase.

How to Apply

Applying for a Q Card is quick and easy:

Option 1: Apply Online

  1. Visit qcard.co.nz
  2. Click "Apply Now"
  3. Complete the online application form
  4. Upload required documents
  5. Receive instant decision (most applications)

Option 2: Apply When You Get Your Quote

Let us know you're interested in Q Card financing when we provide your quote. We can guide you through the application process and answer any questions.

Frequently Asked Questions

Most Q Card applications are approved within minutes. In some cases, additional verification may be required, which can take up to 24-48 hours.

Yes, applying for credit can affect your credit score. Q Card will conduct a credit check as part of the application process.

Yes! If you already have a Q Card with available credit, you can use it for your electrical project with Silver Fern Electrical.

Contact Q Card immediately if you're having difficulty making payments. They may be able to arrange a payment plan or hardship assistance.

Yes, you can pay off your Q Card balance at any time without penalty. Paying early or paying more than the minimum can help you avoid interest charges.