Finance Options
Buying new beds, mattresses or furniture shouldn't mean waiting until payday. At Cambridge Beds & Furniture, you can spread the cost with Afterpay, Zip, GEM Visa, Finance Now or Q Mastercard - apply in-store at our Morrinsville showroom or online, and take your new furniture home sooner.
How Finance Works at Cambridge Beds & Furniture
Choose your furniture — Browse our range in-store or online and pick the beds, mattresses or furniture that suit your home.
Pick a payment option — Talk to our team about which of our finance partners fits your budget best.
Apply and get approved — Applications are quick, and most are approved on the spot in-store or within minutes online.
Take it home — Once approved, your new furniture is ready for pickup or delivery, so you can start enjoying it straight away.
Our Finance & Payment Options
Afterpay
Split your purchase into four equal payments, due every two weeks, with no added interest when you pay on time. Ideal for smaller furniture pieces and accessories.
GEM Visa
A revolving credit card accepted in-store, giving you flexible ongoing access to funds for furniture purchases now and in the future.
Finance Now
A New Zealand-owned finance option offering flexible repayment terms. Ask our team in-store about current interest-free periods and eligibility.
Q Mastercard
A flexible credit card you can use for your Cambridge Beds & Furniture purchase and everyday spending elsewhere.
Terms, credit criteria and interest-free periods are set by each finance provider and may change. Our team can talk you through current rates and help you choose the option that works best for you.
Why Finance With Us
Local, NZ-owned service — Visit our Morrinsville showroom and talk to a real person about your options.
Multiple providers to choose from — Afterpay, Zip, GEM Visa, Finance Now and Q Mastercard, so you can pick what suits you.
No pressure — Take your time in-store, ask questions, and only apply when you're ready.
Backed by our comfort guarantee — Mattress purchases come with our 60-night comfort guarantee, so you can buy with confidence.
Frequently Asked Questions
What finance options does Cambridge Beds & Furniture offer?
We offer Afterpay, Zip, GEM Visa, Finance Now and Q Mastercard, giving you a choice of ways to pay for your beds, mattresses and furniture over time.
Can I apply for finance in-store?
Yes. Visit our Morrinsville showroom and our team can walk you through each provider and help you apply on the spot.
Can I apply for finance online?
Most of our finance partners, including Afterpay and Zip, let you apply directly at checkout when you shop online.
Is there interest-free finance available?
Some of our finance partners offer interest-free periods on eligible purchases. Terms vary and are set by the provider, so ask our team in-store for current details.
Do I need good credit to be approved?
Each finance provider sets its own approval criteria. Applications are assessed by the provider, not by Cambridge Beds & Furniture, so we recommend checking directly with them if you have questions about eligibility.
Have a question about paying for your new furniture? Call our Morrinsville showroom on +64 27 823 4445 or get in touch — we're happy to help you find the right option.