Our finance offers make a lot of sense if you’re purchasing just a single item, or refitting your entire home theatre. They’ll allow you to spread your payments out or even delay them until a time that suits you better, but still let you enjoy that incredible sound or viewing experience right now.
Apply online or ask of our in-store team to help you apply then enjoy the freedom to upgrade today.
How do I apply?
You can apply online for GEM Visa and it only takes a few minutes, or if you prefer just drop into any Soundline store and we’ll get you sorted. Remember to bring your drivers license or passport with you.
How does it work when I purchase?
Using GEM Visa is easy, just select it as a payment option at checkout and you’re done.
How does interest free work?
As long as you pay the minimum amount by the due date each month, you will pay no interest. You must pay the total outstanding balance in full before the end of the interest free period to avoid paying any interest. The prevailing interest rate will apply at the end of the interest free period if there is outstanding balance.
How does deferred payment work?
Choosing the deferred payment option allows you to pay nothing for the stated period. No interest will accrue and no monthly payments need to be made.
If you pay the balance in full before the end of the deferment period, you won’t pay any interest. If there is a balance remaining, interest will be charged at the prevailing rate and included in your minimum monthly payment amount.
Can I split a purchase between cash/EFTPOS and finance?
Yes you can do this. Just check for any minimum purchase requirements that may apply.
With GEM Visa, you pay no interest during the promotional period provided you pay the minimum amount on your monthly statement by the payment dates.
You are required to make minimum monthly payments but making only the minimum payment means you will not reduce the balance to zero during your interest free period.
You must pay the total outstanding balance in full before the end of the interest free period to avoid paying any interest.
The prevailing interest rate applies to any outstanding balance at the end of the interest free period. Please see the GEM Finance website for details.
A minimum purchase of $250 is required in order to be eligible for the no deposit offer.
The amount payable will be shown on your monthly statement as per the above conditions.
Normal credit and lending criteria and fees including a $55 establishment fee and the annual fee apply.
The Prevailing interest rate of 25.99% p.a (GEM Visa) applies to any outstanding balance at the end of the interest free period. GEM Visa is provided by Latitude Financial Services Limited.
Payment for your purchase will be deferred for the stated period. During the deferred payment period, no interest will accrue and no monthly payments need to be made. If you pay the outstanding balance in full before the end of the deferred payment period, you will avoid paying any interest. If you do not pay the outstanding balance in full before the end of the deferred payment period, the amount payable will include interest and will be included in the minimum monthly payment amount shown on your monthly statement. Prevailing interest rate applies to any outstanding balance on the expiry of the deferred payment period (currently 25.99% p.a. for Gem Visa and 29.95% p.a. for Gem CreditLine).