New phone. Little payments.

Gem Visa is an everyday credit card that you can be used anywhere and everywhere. Visa is accepted, worldwide. Gem Visa can also be used to purchase long term interest free deals at over 2000 participating retailers across New Zealand. Gem Visa is provided by Latitude Financial Services Limited.

When you buy a phone on interest free, Skinny will send you the phone and you’ll pay Gem Visa in equal monthly instalments. You will continue to pay Skinny for your mobile plan (i.e. the plan with minutes, text and data). Also, although you are paying Gem Visa for the phone, you can come to Skinny for any phone repair and/or replacement rights you have under the Consumer Guarantees Act or Fair Trading Act. See here for more information on Gem Visa, including all terms and conditions.

You’ll make equal monthly repayments directly to Gem Finance, not Skinny, and you’ll need to follow all the Gem Finance terms and conditions. Please make sure you’re clear on all the terms and conditions when you agree to sign up to get a Gem Visa. There is also a $55 annual fee (charged at $27.50 half yearly), $55 establishment fee (charged at $27.50 half yearly) and a prevailing interest rate (currently) 28.99% p.a. for Gem Visa / 29.95% for Gem Creditline that applies after any interest free term ends, which is explained by Gem Finance in these terms and conditions. 

All of the phones on our website. Minimum spend will vary.

See here for more information on Gem Visa, including all terms and conditions.

On our website we only offer 36 months instalment interest free finance with Gem Visa and don’t sell phones upfront. However, if you see a phone you like and want to pay for the entire phone at full price and up front you are more than welcome to purchase it from one of Skinny’s partner electrical retailer stores, such as Harvey Norman. Check out the location of our partner retailer stores here.

See here for more information on Gem Visa, including all terms and conditions.

You’ll need to check with Gem Visa about the ways you can make payments, and any other requirements or conditions.

Please call 0800500505 if you have any questions about repayments.

See here for more information on Gem Visa, including all terms and conditions

It’s easy. Just browse the phones on Skinny’s website and select one. If you already have a Gem Visa card and credit available, you can just enter your card details or account number when you’re checking out on our website. If you don’t have a Gem Visa yet, during the checkout process for your phone we’ll link you through to Gem Visa’s website to apply for one. You’ll hear back shortly. If you’ve been successful you can then put your new Gem Visa account details into the payment page during the checkout process on our website for your phone.

See here for more information on Gem Visa, including all terms and conditions.

No, you can leave Skinny at any time. But our plans are so good, and our service is so great why would you?

See here for more information on Gem Visa, including all terms and conditions

No, you can buy any phone on our website with no upfront payment as long as you are accepted by Gem Finance. You will need to pay for your Skinny phone plan however before you start your 36 months instalment interest free plan with Gem Visa. You will need to pay a $55 Gem Visa establishment fee (charged at $27.50 half yearly) if you are new to Gem Visa, plus a $55 (charged at $27.50 half yearly) annual account fee applies and a prevailing interest rate of (currently) 28.99% p.a. for Gem Visa / 29.95% for Gem Creditline applies after any interest free term ends.

See here for more information on Gem Visa, including all terms and conditions

Yes, Gem Finance has some fees. 36 months of equal interest free instalment with Gem Visa as an instalment plan advance. Amount payable will be shown on your monthly statement. Minimum purchase prices may vary. Normal credit and lending criteria and fees, including Gem Visa $55 establishment fee (charged at $27.50 half yearly) and $55 annual fee (charged at $27.50 half yearly) applies. A prevailing interest rate of (currently) 28.99% p.a. for Gem Visa / 29.95% p.a. for Gem Creditline applies after any interest free term ends. Please note that the establishment fee is only required if you’re opening a new account with Gem Visa. 

See here for more information on Gem Visa, including all terms and conditions

Yes, you can if you are accepted by Gem Visa, but you must buy a Skinny phone plan for each phone you buy on instalment interest free.

No, you must be on, or purchase at the same time as your new phone a 4-weekly Endless Plan.
 
See here for more information on Gem Visa, including all terms and conditions

As Skinny has supplied you with the phone, you are free to come talk to us about your options under the Consumer Guarantees Act and/or Fair Trading Act.

If Gem Visa approves your phone purchase but you then change your mind and don’t complete the rest of the online process with Skinny, Gem Visa will still have accepted you as a customer and will have accepted the phone purchase.

For new customers, this means you will receive a Gem Visa card and be charged the $55 establishment fee (charged at $27.50 half yearly). There is also a $55 annual account fee (charged at $27.50 half yearly) and a prevailing interest rate of (currently) 28.99% p.a. for Gem Visa / 29.95% p.a. for Gem Creditline that applies after any interest free period ends

Gem Visa will also place a 'hold' on your account for the value of the phone you've chosen. This means you won't be able to access these funds until the ‘hold’ is removed from your Gem Visa account, but it also means your repayment won’t start until the ‘hold’ is removed.  Please contact our Skinny support team, who can assist by cancelling the purchase which will remove the hold from your account. This ensures you have access to these funds again. The important thing to note is that your purchase is not complete and your 36-month instalment interest free plan does not start unless you complete both the phone purchase and the purchase of a Skinny 4-weekly Endless Plan.

If you also change your mind about having a Gem Visa card, you can contact Gem Visa to cancel your card, and have any associated fees refunded.

See here for more information on Gem Visa, including all terms and conditions