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Finance Options

 

Receive approval for Interest Free* finance online before you shop!*

Planning to buy new furniture? We can help you not only with design but also with your purchase. We can offer you Interest Free* terms that make paying for your purchase easy and manageable.

Features include:

  • 24 months Interest Free* through Skye Mastercard® credit card
  • Ease your cash flow to get what you really want
  • Repay extra any time, with no early pay out fees

 

Apply Online Today! It's really simple. 

    1. Apply online in minutes
    2. Receive a decision in seconds

Upon approval, you’ll receive an SMS with important information about your Skye account and a 4 digit code to accept. Visit our store and purchase what you want. To authorise the purchase, you’ll need to enter the second 4 digit code SMSed to you.

 
Apply Online Today.

 

 

What is Interest‐Free* and how does it work?

Skye Mastercard can give you access to promotional offers such as Interest Free* at participating Skye 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.


Interest Free FAQs

 

Is Finance Available?

Planning to buy new furniture? We can help you not only with design but also with your purchase. We can offer you Interest Free* terms with a Skye Mastercard that makes paying for your purchase easy and manageable.


What is Interest‐Free* and how does it work?

Skye Mastercard can give you access to promotional offers such as Interest Free* at participating Skye 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.


How much can I borrow on interest free finance?

Finance, for online purchases, is usually available for any amount between $800 and $50,000 (subject to lending criteria).


What promotional offers are available?

The current promotional offer is 24 months Interest Free* on purchases above $800. Please check from time to time for new promotional offers. To take advantage of this Interest Free promotional offer, your total purchase amount must be more than $800. This can comprise of more than one item.


What happens after the account is established?

Once your account is established, you will receive a Welcome letter from Skye, and if eligible, you will also receive a Skye credit card which will give you access to your account.


Are there any monthly or annual fees?

A $99 Annual Fee is charged on the account open date and annually on the anniversary of the account open date. 


What is the Skye Mastercard credit card?

Finance your purchase with the Skye Mastercard and pay no interest over the promotional term. Plus get the added flexibility of 0% p.a. interest for 90 days on any future card purchases - anywhere, anytime! 


What is the Annual Percentage Rate?

See skyecard.com.au for current interest rates.


Can I apply?

You can apply if you are:

  • 18+ years old
  • Earn $25,000+ p.a.
  • Permanent Australian resident
  • Clear credit file
  • Email address & mobile phone
  • Australian drivers licence, Medicare card or Australian Passport

What do I need to complete the application?

Before you start your application, please ensure that you have the following information handy:

  1. Email address
  2. Mobile phone
  3. Australian driver's licence, Medicare card or Australian Passport
  4. Your residential details (including mortgage/landlord details if buying, renting or boarding)
  5. Your financial details (including income, existing loans and debt)
  6. Your employment details (name and phone number)

Why do you need my Passport or Medicare Card details?

This is a security measure put in place to identify you correctly and protect your identity.


How do I apply?

You can buy now using Interest Free* finance. It’s easy, 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’ 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. Confirm your purchase and that’s it.

What happens next?

Once you have confirmed your order an initial amount equal to 25% of the total cost of the purchase, will be debited from your account to secure your order. Upon delivery of the goods, the remaining amount will then be debited from your account.


When are the repayments due?

The minimum payment for each statement period that you must pay is the greater of:

  • 3.00% of the Eligible Unpaid Balance at the date of the statement; or
  • $30.00. However, if the Eligible Unpaid Balance is less than $30.00, you must pay that amount in full.

You must also pay:
overdue repayments plus the amount (if any) by which the Unpaid Balance exceeds your credit limit; and scheduled Instalment Repayments (if any) you have agreed with us at the times agreed with us


When does my Interest Free* period start?

The Interest Free period starts from the date of a payment being debited from your account. Each Debit will have its own interest free period.


I have not received my furniture. Why am I being asked to pay?

As your purchase was financed in its entirety, monthly repayments are required. If you have not received your furniture when your monthly repayment is due, then the repayment will be based on the initial drawdown amount of 25%.


How often will I get my statements?

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.


How can I make a repayment?

Make monthly repayments by direct debit from your nominated bank account, via BPAY or through the ‘Pay My Account’ feature in Skye Self Service.


Can I make extra repayments?

Yes. The next time you wish to shop and take advantage of an Interest Free offer at participating Skye retailers, simply have your Customer ID handy, and present this to the sales consultant. The store will process an additional purchase for you. For all other purchases at non-Skye retailers, simply use your Skye Mastercard to make your purchase to take advantage of 90 days Interest Free and no repayments on every Skye purchase.


How can I obtain a Credit Limit Increase?

Call 1300 115 533 and our Customer Service team will assist you with a credit limit increase application, subject to our eligibility criteria.


Can I view or access my account online?

Yes – through Skye Self Service. If you haven’t already registered for Skye Self Service, and you’d like to, visit skyecard.com.au and click ‘Login’ to register.

 

Who is Skye Mastercard?

Skye Mastercard is brought you by the provider of Lombard and Once.

*Approved applicants only. Fees, terms, conditions & minimum finance amounts apply, incl $99 Annual Fee charged on the account open date and annually on the anniversary of that date. Annual Fee must be paid in full within 90 days or it will attract interest. Minimum monthly repayment required. Interest, (charged at the Expired Promotional Rate) payable on outstanding balances after any Interest Free Period. View current interest rates. Only available at Skye retail partners. ^ 90 days Interest Free and no repayments available on all Skye Mastercard purchases (excluding cash advances). Any outstanding balance after the 90 day Interest Free and no repayment period reverts to the standard Card Purchase Rate. Skye provided by FlexiCards Australia Pty Ltd, ABN 31 099 651 877 Australian Credit Licence number 247415. Skye is a trademark of FlexiCards Australia Pty Ltd, subsidiary of FlexiGroup Limited.
Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.

 

 

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