Finance options

12 months interest free · Gilrose Finance

Gilrose Finance

Finance tailored
to you.

Get 12 months interest free on purchases of $999 or more at MODA Furnitures through Gilrose Finance — a New Zealand–owned finance company with every application reviewed by a real person, not an automated system.

Speak to our MODA team first and we'll help match you to the right option, or apply directly with Gilrose.

Enquire with our team Visit gilrose.co.nz
19.5% from p.a.*
NZ owned & operated
12 months interest free on $999+*
Human reviewed — no automated decisions

Why Gilrose Finance

Reviewed by a real person

Every application is assessed individually by a trained Gilrose team member — not an automated system. That means your situation is understood, not just scored.

12 months interest free*

On purchases of $999 or more at MODA Furnitures. Ask our team for details on eligibility and how to apply.

Competitive rates

Interest rates from 19.5% p.a. Gilrose is straightforward about their rates and fees — you can see them in full on their website before you apply.

Eligibility

To apply with Gilrose Finance you'll generally need to be:

Aged 18 or over
Employed for at least 3 months
An NZ citizen or permanent resident
Able to provide proof of ID
A relatively good credit history
Able to provide proof of a bank account

Gilrose may also request proof of address, proof of income, or additional documentation. Lending criteria apply — see gilrose.co.nz for full details.

Key rates and fees

Sourced from gilrose.co.nz — subject to change. Full rates and fees apply.

Interest rate 19.5% – 25% p.a.*
Interest free offer 12 months on purchases $999+*
Booking fee $99.00
Monthly admin fee $3.15
View all rates and fees at gilrose.co.nz →

*12 months interest free is available on purchases of $999 or more at MODA Furnitures, subject to Gilrose Finance lending criteria, terms and conditions. Interest rates range from 19.5% p.a. to 25% p.a. (standard fixed term rate) and apply to the outstanding balance after the interest free term ends. A $99 booking fee applies. A $3.15 monthly admin fee applies. Fees and charges listed above are indicative and may vary. Full disclosure of all terms, rates and fees will be provided prior to finalisation of your contract. Lending criteria apply.

Gilrose Finance may vary fees and charges. Default interest of 30% per annum applies in the event of default. For full rates, fees and terms visit gilrose.co.nz/about-gilrose/rates-and-fees.

Gilrose Finance questions

Is Gilrose Finance available for furniture purchases?
Yes — Gilrose Finance can be used for furniture and home purchases at MODA Furnitures. Speak to our team and we can help connect you with Gilrose as part of your finance enquiry.
What is a secured vs unsecured option?
A secured arrangement uses a valuable asset (such as a vehicle) as security, which typically means a lower interest rate. An unsecured arrangement has no asset attached, but may carry a higher rate. Gilrose will discuss the right option for your situation.
What is the 12 months interest free offer?
12 months interest free is available on purchases of $999 or more at MODA Furnitures, subject to Gilrose Finance lending criteria and terms. Speak to our team to find out more and apply.
How does Gilrose assess applications?
Every application is reviewed individually by a professionally trained Gilrose team member based in Auckland — not an automated system. Lending criteria apply.
Can I apply in store at MODA?
Yes — visit our showroom at 32 Saleyards Road, Ōtāhuhu, Auckland. Our team can help you start a Gilrose Finance enquiry and guide you through the process.
Where can I find full terms and conditions?
Full rates, fees and terms are available at gilrose.co.nz. Full disclosure will also be provided to you prior to finalisation of your contract.

Want help finding the right finance?

Our team can help match you to the option that suits your purchase and situation.

Start your enquiry Visit our showroom