Interest Free* Finance


Adaptit Group offers you interest free* finance allowing you to buy your new project immediately while paying for it over time – interest free*.

“Reverts to variable cash advance rate, annual fee $99, offer available everyday, minimum purchase $2000”

It’s really simple, and there is no commitment to purchase if you are not approved.

  1. Fill out the form opposite or call us on 1300 423 278 so we can talk to you about arranging for a free no obligation measure up appointment.
  2. Once you have received your quotation and are happy to proceed we will take you through the application process with HSBC to apply for your interest free* finance.
  3. Please ensure you have photographic government approved identification with you to ensure we can finalise your application e.g. your current driver’s licence or passport.
  4. If approved, you will receive an approval notification email and you can start celebrating!


If you are already an existing HSBC Credit customer: Simply present your HSBC Visa card to our staff and they will advise you which interest free* promotions are currently available. You can then make additional interest free* purchases up to your available credit limit.

If you are not currently a HSBC customer:

Applications for pre-approvals can be done with our friendly sales staff. Simply talk to your sales representative or contact us on 1300 423 278 to arrange for an HSBC interest free* application to be done.

You can apply if you are:

  1. 18 Years of age or over at the time of application;
  2. Earning a minimum of $20,000 per annum;
  3. A permanent Australian resident;
  4. Not a discharged bankrupt or currently bankrupt; and
  5. Not currently in default or have outstanding Writs or Summons

A HSBC Visa Card gives you access to promotional offers such as interest free* at participating retailers. 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.

There is no penalty for paying the loan off early either. What’s more, you can also re-use your account for other interest free* purchases in-store or online at participating merchants.

Finance, for purchases, is usually available for any amount between $500 and $50,000 (subject to lending criteria and approval).

Yes, there is a $99 Annual Fee payable on the first statement and annually on the anniversary of the account being opened. All fees and charges are advised in the Credit Contract

Contractually, the minimum monthly repayment required is either 3% of the outstanding closing balance or $30, whichever is greater. Please note, making only the minimum monthly repayment will not pay out the purchase within the interest free* period.

The first statement is issued roughly one month after the transaction is settled.

The Annual Percentage Rate (APR) applicable will be specified in the Credit Offer. This is the rate that will be charged on any balance outstanding after any interest free* period for card transactions and purchases made using the HSBC Visa card, the rate is charged at the current “Cash advance” rate. This rate also applies to cash advances and withdrawals. If an interest free* period applies to your purchase, then NO interest will be charged on that particular purchase for the duration of the interest free* period. After the interest free* period expires, interest will be payable on any outstanding balance at the APR.
Additional one off purchases (not through interest free* finance) will be charged at the Annual percentage rate applicable under “Purchases” in your credit contract and allows for an interest free* period of up to 55 days. Please check your credit contract for the current interest rate.

Terms & Conditions*

Interest free* finance is applied only to promotional transactions for the specified period. Balances outstanding at the end of the promotional period will form part of the normal account balances and will accrue interest at the “cash advance” rate applicable at the time, which is currently 25.99% p.a, and is subject to change. See in-store for details, unless repayments are deferred for a specified period as part of the promotional offer, monthly repayments are required and calculated at 3% of the outstanding balance or $30, whichever is higher. Lending criteria, terms and conditions, fees, and charges apply and are available on application. Minimum purchase $2000 for all interest free* offers. Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162. Australian credit licence 232595.

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