Interest Free Finance

Always on Sale offers No Deposit interest free terms* online with a Once Line of Credit facility that makes paying for your purchase easy, manageable and affordable.

Once is rapidly becoming one of Australia's leading providers of simple, convenient and commonsense financial services. Offering a wide variety of products and services including home loans and insurance, you can find out more at www.onceonline.com.au.

A Once Line of Credit facility can give you access to promotional offers such as interest free finance at participating Once retailers and merchants. Where an interest free period applies, no interest is payable on the amount of the purchase during the interest free period. Pay the balance in full before the interest free period ends and you won't pay any interest at all on the purchase. What's more, you can also re-use your account for other interest free purchases in-store or online.

For online purchases, interest free finance is usually available for any amount between $500 and $20,000 (subject to lending criteria).

Interest free promotional terms are available on purchases above $500. To take advantage of our current online Interest Free promotional offer, your total purchase amount must be more than $500; and this can comprise more than one item.

There is a one-off establishment fee of $25.00 and this fee is debited to your account once it has been established and forms part of the outstanding balance. This fee is only charged once and there is no need to re-apply to take advantage of subsequent promotional offers. There is a monthly Account Keeping Fee of $4.95.

Once your account is established, you will receive a Welcome letter from Once, and if eligible, you will also receive a Once Visa Debit card which will give you access to your account. There is no additional ongoing or annual fee for the Once Visa card which is issued free of charge. The Once Visa card provides easy access to your funds - shop online, overseas or over the phone – wherever Visa is accepted. In addition you can also withdraw cash from your account at any ATM* or via EFTPOS.
* No ATM withdrawal fee will apply if you use a rediATM, NAB ATM or BoQ ATM.

Customers can apply if you are:

• 18 years of age or over at the time of application
• Currently employed and earning at least $15,000 p.a.
• A permanent Australian resident
• Not a discharged or current bankrupt

It's easy to apply, hassle-free and completely online.

1. Select all the goods you wish to purchase, then proceed to the shopping cart and click on ‘Apply for Finance at Once’ on the Payment Options section.
2. Complete the application form, which should take no more than 10 minutes and you will obtain a decision within 60 seconds.
3. If approved, you will need to electronically identify yourself using either your Australian Passport or your Tax File Number.
4. Confirm your purchase and that's it.

A statement will be issued to you on a monthly basis approximately two weeks prior to the payment due date. You may receive your statement by email if you prefer. The minimum monthly repayment required is only 3% of the outstanding balance of the account or $40.00, whichever is the greater. Making only the minimum monthly repayment will not pay out the purchase within the interest free period. You can make extra repayments and there are no penalties for early termination or additional repayments.

There are many benefits gained by aquiring a interest free loan for a set period of time, one of the main advantages is not paying anything for a period of 12 months. Interest free finance is available for purchases that are over $500 if you qualify. Purchase great items like:-

• Interest free treadmills
• Interest free computer deals
• Interest free shopping
• Interest free laptops
• Interest free air conditioning

Disclaimer
The Interest Free promotion applies to an Account-Opening Transaction greater than $500 for a period of 12 months. The Lombard Visa Card is only available to approved applicants and is subject to further terms and conditions contained in the Lombard Visa Card Account Conditions of Use and Lombard Visa Card Product Schedule. An application fee, monthly account service fees and other fees and charges are payable. The Lombard Visa Card is a credit facility provided by Lombard Finance Pty Limited (ABN 31 099 651 877).

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Check out these examples of easy repayments using Once Finance!

Buy JVC Everio Camcorder for $599 JVC Everio X Personal Camera GZX900 + Bonus Polaroid 16GB SDHC Card worth $89.95 Freight: $19.95 Admin Service Fee: 1.5% Total Amount Financed: $628.23 Repayments over 12 months is: $52.35 + $4.95 account keeping fee = $57.30 repayment per month Finance Establishment Fee of $25 applies Buy Apple iPad 2 3G + WiFi 64GB for $919 Apple iPad 2 3G + WiFi 64GB - Black Pre-Order NOW for August 2011 Freight: $30.00 Admin Service Fee: 1.5% Total Amount Financed: $963.24 Repayments over 12 months is: $80.27 + $4.95 account keeping fee = $85.22 repayment per month Finance Establishment Fee of $25 applies

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