1. Afterpay Pay it in 4

How it works: Afterpay lets you split your payments into four equal instalments.

Why it helps: Perfect for smaller repair jobs, quick fixes, or maintenance where you don’t want to pay everything upfront.

Benefits:

• No interest or hidden fees (as long as payments are made on time).

• Quick approval process, directly online.

• Flexible way to spread the cost of smaller property jobs.

 2. Q Mastercard (Q-Card)

 
How it works: Q Mastercard provides long-term finance offers and interest-free payment options for purchases.

Why it helps: Ideal for larger renovation or upgrade building projects where spreading costs over several months (or even years) is helpful.

Benefits:

• Access to 12–24 month interest-free deals on eligible purchases.

• Widely accepted in New Zealand, including with service providers like us.

• Helps manage bigger projects without a heavy upfront cost.

 3. Gem Visa & Gem Personal Loans

 How it works: Gem offers both a credit card (Gem Visa) with long-term interest-free offers and personal loans for larger projects.

Why it helps: Suitable for significant renovations, building construction, or commercial property work where you need access to more funding.

Benefits:

• Flexible repayment terms and competitive rates.

• Finance available for amounts big enough to cover full property upgrades.

• Personalised options to suit your budget and project size.

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At Ruahine Property Works, we offer home improvement finance across NZ to help homeowners take on; building renovation,  concrete, or roofing projects with confidence. Our flexible payment plans support everything from small repairs to large-scale property maintenance and upgrade building projects across Manawatū, Tararua, and Hawke’s Bay.

That’s why we’ve partnered with trusted finance providers to offer flexible payment options tailored to your project. Get the improvements you need now — and pay in a way that works for you.

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Get essential repairs or building  renovations done right away – without waiting until funds become available. Choose a payment option that matches the size and urgency of your project. Work with a trusted local team  of builders who provide quality service and flexible solutions.

💡 Tip: Always check the full terms, fees, and eligibility criteria with each provider before choosing a finance option.

Need More Information? Let’s Talk!

At Ruahine Property Works, we know that every renovation, repair, or upgrade is different — and so are your financial needs.
Our team can help guide you towards the best option, whether you’re considering; Afterpay, Q Mastercard, or Gem.

 email: office@rpwl.co.nz       
 phone:  0800 779 6757 

We’re here to:

• Answer any questions about how these finance options work

• Suggest the most suitable option based on your project size and budget

• Help you take the next step toward making your property goals a reality

Flexible Payment Plans Across Manawatū, Tararua & Hawke’s Bay​

FINANCE OPTIONS AVAILABLE