Finance Enquiry
finance providers - gilrose finance & finance now
How it works
Four simple steps, no confusing paperwork.
Check you qualify
Available on any purchase of $999 or more, in store or online.
Send us your details
Fill in the short enquiry form below — it only takes a few minutes.
We're in touch
Our team reviews your enquiry and guides you through applying with Gilrose.
Complete your purchase
Once approved, check out online or visit our Penrose showroom to finalise.
Example repayment of a $2000 purchase
From $16 a week*
Based on a 36-month term with the first 18 months interest free. Your actual repayment depends on the purchase amount and Gilrose's assessment of your application.
*Indicative example only. Full repayment figures, rates, and fees will be confirmed by Gilrose Finance before you commit to anything.
Start your finance enquiry
Fill in your details and we'll be in touch
Takes about 3 minutes. You'll need a valid photo ID (Driver's Licence or Passport) ready to upload.
Why finance through NZ Furniture Warehouse
Honest terms, not fine print
Just like everything else we sell — clear terms upfront, nothing buried in the small print for you to dig through.
Guided by a real person
Our team walks you through exactly how it works, in plain English, before you commit to anything.
Your purchase, your way
Finish online or come see us in Penrose — whatever's easiest for you, no in-person visit required.
Finance questions
What finance option do you offer?
18 months interest free through Gilrose Finance, available on purchases of $999 or more. Finance Now, Afterpay, Q Card also available.
What happens after the 18 months?
Standard interest of 19% per annum applies to any outstanding balance once the interest-free period ends. We'd always recommend aiming to clear the balance within the 18 months if you can.
Can I apply online?
Yes — fill in the enquiry form above and our team will follow up to guide you through applying with Gilrose.
Do I have to visit the showroom?
No. The whole process, from enquiry through to completing your purchase, can be done online — though you're always welcome to visit our Penrose showroom if you'd prefer to see everything in person.
Why send my details to your team first, instead of applying directly?
We'll make sure you understand the terms and talk you through exactly how the interest-free period works before anything is finalised, so there are no surprises.
Who can apply?
Applications are subject to Finance's standard lending criteria. Your eligibility will be confirmed as part of the application.
What other charges are applicable?
One off $98 booking fee, $5.50 credit check fee & $2.50 weekly account maintenance fee applicable.*
*18 months interest free is available on purchases of $999 or more at NZ Furniture Warehouse, subject to Gilrose Finance lending criteria, terms and conditions. A standard interest rate of 19% per annum applies to any outstanding balance after the interest-free term ends. Fees and charges may apply — full disclosure of all terms, rates, and fees will be provided by Gilrose Finance prior to finalisation of your contract. Lending criteria apply.