Flexible Finance
Pay over time with interest-free finance
Innovative Furniture offers three finance and payment options so you can bring your space together today.
- Up to 12 months interest-free on eligible purchases
- Finance Now, Q Mastercard, or WINZ quotes available
- Approval subject to provider criteria — no guarantee
Approval is subject to each provider's responsible lending obligations. Innovative Furniture does not make lending decisions.
Finance enquiry
Start your application — we'll handle the rest.
Q Mastercard
Q Mastercard (operated by Latitude Financial Services) may offer up to 12 months interest-free on eligible purchases at Innovative Furniture. You can apply securely through their online portal — approval is subject to Latitude's lending criteria.
- Up to 12 months interest-free on eligible purchases
- Apply online in minutes through the secure portal
- Accepted at Innovative Furniture with dealer code 163029
- Subject to lending criteria, fees and Latitude terms
Approval, lending criteria, fees and terms apply. Interest-free periods are subject to the specific promotional terms available at the time of purchase. Please read the Q Mastercard terms carefully before applying.
Apply for Q Mastercard — Secure Portal ↗How it works
Apply online
Click the secure apply link above. You apply directly with Latitude Financial Services — not through Innovative Furniture.
Receive a decision
Latitude assess your application. Approval is not guaranteed and is subject to their responsible lending obligations.
Shop at IFL
Once approved, present your Q Mastercard at checkout. Interest-free terms apply on eligible purchases.
Repay over time
Make regular repayments during your interest-free period. Account fees may apply — review the terms from Latitude.
Finance Now
Finance Now is available on eligible furniture purchases at Innovative Furniture, offering up to 12 months interest-free. To enquire about Finance Now for your purchase, use the enquiry form in the banner above and our team will be in touch with next steps.
- Up to 12 months interest-free on eligible purchases
- Enquire via the form above — our team will contact you
- Subject to lending criteria, fees and Finance Now terms
- Responsible lending obligations apply
Approval, lending criteria, fees and terms apply. Innovative Furniture facilitates the enquiry process; lending decisions are made by the finance provider.
How it works
Submit an enquiry
Complete the finance enquiry form in the banner above with your contact details and preferred provider.
We contact you
A member of our team will reach out to discuss your purchase and provide the Finance Now application details.
Complete your application
You apply directly with Finance Now. Approval is subject to their responsible lending criteria — not guaranteed.
Receive your furniture
Once approved and your order is placed, we arrange delivery to your address across New Zealand.
Finance FAQs
Ready to shop?
Browse the full range and use the finance panel on any product page to see your instalment options.
Work and Income NZ
WINZ Furniture Quotes
We can provide a written furniture quote for your Work and Income application. Eligibility is assessed solely by Work and Income.
About WINZ quotes