What makes Latitude Interest Free different?

Our long-term payment plans let you break your bigger purchases into flexible monthly repayments.

  • Getting started

    Check your eligibility and apply here or in-store.

  • Rapid-fire reply

    We get back to you in 60 seconds so you can complete your purchase there and then.

  • Choose your plan

    Select a repayment schedule to suit you, then activate your card in the Latitude App.

  • Complete your purchase

    All you need is your Latitude account number and your mobile phone on hand for verification.

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    New to Latitude?

    Apply for a Latitude Gem Visa credit card now.

    Apply now
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    Already have a participating Latitude credit card?

    Shop today with your card or account number at the checkout process.

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How Interest Free payment plans work

  • Pay minimum monthly amount but chip in extra when you can.

    • You need to make a minimum payment each month, but you have flexibility to make extra payment at any time.
    • Paying only minimum each month, will not pay the balance in full before the expiry of the plan.

The right plan for you

  • 6 Months Interest Free

    No minimum spend

  • 12 Months Interest Free

    Sales on selected products over $1,000

  • 24 Months Interest Free

    Sales on selected products over $1,500

  • 36 Months Interest Free

    Sales on selected products over $1,500

  • 48 Months Interest Free

    Sales on selected products over $1,500

  • 60 Months Interest Free

    Sales on selected products over $1,500

Terms and Conditions

  • Heading

    October 2025


    ‘Up to 5 Years Interest Free’ WHEN YOU SPEND OVER $1500 ON MATRESSES
    1st of October to the 31st of October

    Also available: 6 months, 12 months & 24 months Interest free terms
    Terms and conditions
    • Available at participating Beds R Us stores only.
    • Not available in conjunction with any other offer.
    • Bonus with mattress & do not apply to third party funded quotations or sales.
    • Some items may have been sold at Beds R Us stores at less than RRP.
    • The offer is for a limited time.
    • Manchester (pillows/throws) are not included in sale price and is for illustration purposes only.
    • Pictures are for illustrative purposes only.
    • The offer is for Sleepyhead and SleepMaker mattresses only.
    • Minimum mattress purchase $1500 for 60 month promotion.

    UP TO 60 MONTHS ON A LATITUDE GEM VISA CREDIT CARD

    * Also available on other participating Latitude credit cards. For eligible purchases above a minimum financed amount using a Minimum Monthly Payment Plan. T&Cs and monthly credit card fee (currently $10.95) will apply. Other credit card fees and charges may apply.

    Conditions apply. Limited time from participating stores. Images for illustration only.

    *Approved customers only using a Minimum Monthly Payment Plant (Interest free Promotion). Monthly credit card fee applies, currently $10.95 (subject to change). Paying only the minimum monthly payments will not pay out the plan. After the interest free plan ends interest will be charged on any outstanding balance at the expired plan rate, currently 29.99%pa (subject to change). If you miss a payment, late fees will apply and interest may apply. Interest may also be charged on other purchases and transactions made on your Latitude credit card. Conditions of Use set out the T&C’S for the Latitude Gem Visa credit card. Credit provided by Latitude Finance Australia ABN 42 008 583 588 Australian Credit License number 392145.

  • UP TO 60 MONTHS ON A LATITUDE GEM VISA CREDIT CARD*

    Also available on other participating Latitude credit cards. For eligible purchases above a minimum financed amount using a Minimum Monthly Payment Plan. T&Cs and monthly credit card fee (currently $10.95) will apply. Other credit card fees and charges may apply.

    Conditions apply. Limited time from participating stores. Images for illustration only. *Approved customers only using a Minimum Monthly Payment Plant (Interest free Promotion). Monthly credit card fee applies, currently $10.95 (subject to change). Paying only the minimum monthly payments will not pay out the plan. After the interest free plan ends interest will be charged on any outstanding balance at the expired plan rate, currently 29.99%pa (subject to change). If you miss a payment late fees will apply and interest may apply. Interest may also be charged on other purchases and transactions made on your Latitude credit card. Conditions of Use set out the T&C’S for the Latitude Gem Visa credit card. Credit provided by Latitude Finance Australia ABN 42 008 583 588 Australian Credit License number 392145.

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Latitude Interest Free FAQs

Terms and Conditions

Please visit this site for all Terms and Conditions to ensure this is the correct finance option for you. Click here

What is Latitude Interest Free?

Latitude Interest Free offers flexible long-term Interest Free payment plans to suit your needs. From 6-60 months, Latitude Interest Free gives you access to a range of Interest Free offers. Existing Latitude Gem Visa, Latitude GO Mastercard, CreditLine and Buyer's Edge credit card customers can checkout using Latitude Interest Free payment plan.

How does Latitude Interest Free work?

Latitude Interest Free credit cards such as Latitude Gem Visa or Latitude GO Mastercard work like normal credit cards but offer the added functionality of Interest Free payment plans. There are three different types of Latitude Interest Free payment plans:


Minimum Monthly (Interest Free)
Minimum spend applies. Conditions, fees, and charges apply. New customers must apply and be approved for a Latitude Gem Visa credit card. Available on participating Latitude credit cards only (Latitude Gem Visa, Latitude GO Mastercard, Buyer's Edge, CreditLine).


$2000 Mattress, Bed Base or Bed Frame on a 24 month Minimum Monthly payment plan = customer required to pay a minimum payment each month. Minimum monthly payments must be made until promotional plan is fully paid off. After expiry of the interest free promotional period, interest will be charged on the remaining outstanding balance. Paying only the minimum monthly payment will not pay out the purchase before the end of the plan. At the end of the plan, interest will be charged at 29.99% p.a. (subject to change). Interest may also apply to other credit card transactions if you do not comply with the T&Cs. Customers can make extra payments at any time with no penalties.

How much can I borrow with Latitude Interest Free payment plan?

Your approved credit limit will depend on your financial situation. The minimum credit limit for Latitude Gem Visa is $1,000 and monthly account service fee of $10.95 applies (subject to change).

What can I buy on Latitude Interest Free payment plan?

Look for the Latitude Interest Free logo when browsing online or in-store to know what products are eligible. The minimum purchase amount is different across retailers. Gift cards are excluded.

How do I pay off my Latitude Interest Free payment plan?

You will receive a monthly statement that highlights the minimum payment required and the available payment options. Bank transfer, direct debit and BPAY® are available.

How do I manage my Latitude Interest Free payment plan?

You can manage your account from the Latitude Mobile App or the Latitude Service Centre. Search Latitude App in the App Store or Google Play.