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It's never been easier to shop for your favourite things than with 0% Interest Payment Plans for instore purchases. You can use your existing Gem Visa card, or apply now. You’ll get a response within 60 seconds, and if approved you can start shopping instore straight away. Alternatively, you can shop in store and apply while you’re there. Please note that 0% Interest Payment Plans do not apply for purchases made online via JB Hi-Fi website.

Minimum Monthly + Flexible Payments

You need to make a minimum payment each month. Remember, paying only the minimum monthly payment will not pay out the balance of the plan, but you have the flexibility to make extra payments at any time. Plans start from 6 months.

Equal Monthly Payments

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

+24 & 30 Month plans: *Approved customers only. (Available on advertised or ticketed price, from (excluding brand/ specific product)). Monthly payments must be made during the promotional period. Interest and payments are payable after the interest free period expires. Paying only the minimum monthly payment will not pay out the purchase before the end of the plan. A $99 annual fee for Latitude Gem Visa applies. At the end of the plan, interest will be charged at 24.99%. This notice is given under the Latitude Gem Visa Conditions of Use (as applicable), which specify all other conditions for this offer. Also available to CreditLine, GO Mastercard and Buyer’s Edge customers. Other conditions, fees and charges apply, see relevant product websites for details. Credit is provided by Latitude Finance Australia (ABN 42 008 583 588), Australian Credit Licence number 392145.

+60 Month plans: *Approved customers only. (Available on advertised or ticketed price, from (excluding brand/ specific product)). The plan is payable by 60 approximate equal monthly instalments (exact amounts specified in your statement). At the end of the plan, interest will be charged at 24.99%. A $99 annual fee applies for Latitude Gem Visa. This notice is given under the Latitude Gem Visa Conditions of Use (as applicable), which specify all other conditions for this offer. Also available to CreditLine, GO Mastercard and Buyer’s Edge customers. Other conditions, fees and charges apply, see product websites for details. Credit is provided by Latitude Finance Australia (ABN 42 008 583 588), Australian Credit Licence number 392145.