Gilrose Finance

Gilrose Finance, is a retail payment plan that allows you to purchase jewellery or watches today, by paying an initial deposit, with the remaining balance conveniently direct debited either weekly, fortnightly, or monthly; whichever suits you best!

The application is simple with fast approval times.
Best of all, receive 12 Months Interest Free on all purchases over $1000!


When you make your initial purchase at Stonz Jewellers, we open an account for you. You can access your account online at any time to track your repayments and make additional payments, change the date of your next payment, update your details and print a statement.

What do I need to apply for a Gilrose Finance Personal Loan?

  • To be over 18 years of age and be a permanent resident of New Zealand;

  • To be employed for at least three months;

  • To have a bank account or credit card in your name with documentation showing proof of ownership ie bank statement – Sorry EFTPOS cards are not suitable as they can not be debited;

  • To provide suitable identification;

  • A relatively good credit history.

What Fees are there?

You will pay an establishment fee of $55 to set up your account, and this is payable over the term of the plan. There is a monthly account keeping fee of $3.15 which will be direct debited whilst your account remains active and a $10 credit check fee. You know exactly how much you will get charged as long as you stick with your payment schedule.

Are there any other fees or charges?

There are NO other fees and charges applied if you make your repayments as set out in your Credit Schedule. There are also NO additional fees charged for closing your account or paying off your balance early.


What happens if I don't make the payments as agreed?

Other fees may be charged if you do not make your repayments as shown in your agreed Credit Schedule.

Please refer to the Gilrose Finance Website “Terms and Conditions” for further details.