Afterpay and Finance Options: Get Quality Furniture Now Without the Upfront Cost
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By the Cambridge Beds & Furniture team, 199 Thames Street, Morrinsville. Updated October 2026.
A new bed or lounge suite is a big cost to cover in one go. That's often why people end up with the cheapest option, or a second-hand one, and replace it again a couple of years later. Spreading the payments lets you choose on quality instead. Here's how the options at our store work.
What finance options are available?
We offer four ways to pay over time:
| Option | How it works | Good for |
|---|---|---|
| Afterpay | Four equal payments, due every two weeks, with no added interest when you pay on time | Smaller items such as a mattress, bedside table or pillows |
| GEM Visa | A revolving credit card accepted in store, with ongoing access to funds | Larger purchases now and furniture you plan to add later |
| Finance Now | A New Zealand-owned finance option with flexible repayment terms | Bigger purchases where you want a set repayment plan. Ask about current interest-free periods |
| Q Mastercard | A flexible credit card you can use with us and for everyday spending | People who want one card for furniture and other purchases |
All the details are on our finance options page.
How do I apply?
- Choose your furniture in store or online.
- Pick a payment option with our team, based on your budget.
- Apply. Most applications are approved on the spot in store, or within minutes online.
- Take it home. Once approved, your furniture is ready for pickup or delivery.
Is finance better than buying cheap?
It can be. A cheap mattress that sags in two years costs you twice. A well-made one paid off over a few months can last eight to ten years. Our article on whether furniture stores are really more expensive looks at the real cost of buying cheap.
What should I check before using finance?
- The repayment amount and how often it is due.
- How long any interest-free period lasts, and what happens after it ends.
- Any fees for late payments or account keeping.
- That the repayments fit comfortably in your budget.
Terms, credit criteria and interest-free periods are set by each provider and can change. Our team will talk you through what's current, with no pressure to apply.
What if I'm on a benefit?
Work and Income may help with essential items like beds. We can prepare a WINZ quote for you to take to your case manager.
Combine finance with sale prices
Finance works with our sale range too, so you can lower the total and spread what's left. Eligible mattresses also come with our 60-night comfort guarantee.
Talk to us
Pop in to 199 Thames Street, Morrinsville, open seven days, or get in touch and we'll explain the options for the furniture you have in mind.
Frequently asked questions
What finance options does Cambridge Beds & Furniture offer?
We offer Afterpay, GEM Visa, Finance Now and Q Mastercard. You can apply in store at our Morrinsville showroom or online.
How does Afterpay work for furniture?
Afterpay splits your purchase into four equal payments due every two weeks, with no added interest when you pay on time.
Is there interest-free finance?
Finance Now and the card options may offer interest-free periods. Terms are set by each provider and change over time, so ask our team what is currently available.
How quickly is finance approved?
Most applications are approved on the spot in store or within minutes online, subject to the provider's credit criteria.