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Learn about interest free payments

With interest free payments, you can pay off your item via monthly payments. You can choose to spread the cost over:

  • 12 months
  • 18 months
  • 24 months
  • 36 months

Important information

  • The device must cost at least $199 incl. GST, after any applicable subsidy, upfront payment or promotion
  • To be eligible for interest free payments, you need to be on an eligible plan
  • Interest free over 36 months is available online without a $99 upfront payment
  • When you make a purchase in a Spark store, setting up interest free payments over 36 months will require a $99 upfront payment
  • Interest free payment options are available:
    • When you are on an eligible Pay Monthly plan and purchase a device or selected accessory that costs at least $199 incl. GST, after any subsidy, promotion or upfront payment is applied
    • When you are over the age of 18 years and pass a credit assessment 
    • When you buy selected items online, over the phone or from a Spark store
    • When Spark Digital customers order mobile devices through MySpark Digital. Sign in to MySpark Digital
    • When new Spark Broadband customers join on an eligible plan and take up an interest free payment offer (this offer is not available online)
    • Available through selected Spark retail channels; availability may vary by channel 

What interest free payments look like on your Spark bill

Here is some information you'll need to know about your bill if you choose to buy something on interest free payments. Note, these examples are for one type of account. Your own account presentation may vary. 

If you’re spreading payments over 12 instalments, and your Spark account shows GST inclusive charges, it will look like this.

In the Current charges section, the $71.76 comprises $65.09 for GST on your new item and $6.67 for GST on other Spark services:

In this example, $499 is the charge (GST inclusive) and credit for the total cost of your new item. The GST amount of $65.09 is included in the Current Charges section of your bill.

$41.58 is your first instalment. Subsequent instalments will be shown as “Instalment 2 of 12 - Spark XX" and so on. 

If you’re spreading payments over 12 instalments, and your Spark account shows GST exclusive charges, it will look like this.

In the Current charges section, the $71.76 comprises $65.09 for GST on your new item and $6.67 for GST on other Spark services:

In this example, $433.91 is the charge (GST exclusive) and credit for the total cost of your new item. The GST amount of $65.09 is included in the Current Charges section of your bill.

$41.58 is your first instalment. Subsequent instalments will be shown as “Instalment 2 of 12 - Spark XX” and so on. This instalmentamount has no GST in it.

GST on your first bill

  • The GST on your first bill will appear high as it includes GST for the full cost of the device. A credit covering the GST will also show on your bill.
  • All monthly instalments after your first bill won't include GST. It can take up to two bills to show the cost of your device, GST credit and the first interest free payment.
  • For example, the charge for your device may be in your first bill. The credit and first instalment may appear in your next bill.​​

Ending contract before paying all instalments

  • You'll need to pay any remaining payments in your next bill. You'll also need to pay any early termination fees or charges.
  • Remaining instalments can't transfer to a different account. This includes if the accounts are on the same customer number.
  • Under the seven day right of return, you can cancel interest free payments. Start Live Chat

View your interest free payments

In MySpark

  1. Sign in to MySpark
  2. Hover your mouse over the Products and services dropdown menu and select Interest free payments
  3. You'll see all information relating to your interest free payments

View your interest free payments in the Spark app

  1. Sign in to the Spark app
  2. Select the box icon at the bottom of the screen
  3. Select the down arrow next to the item you want to see interest free payment information for
  4. Select Interest free payments from the menu that appears
  5. If you're paying off more than one item, you can swipe to the left and right to see the payments relating to them

Terms and conditions

Interest free payment terms and conditions apply

Use the calculator below to work out what you can expect to be charged.

Total amount to pay (less any subsidy): $
12 Month Term
 
11 monthly payments of: 
 
A final payment of: 
18 Month Term
 
17 monthly payments of: 
 
A final payment of: 
24 Month Term
 
23 monthly payments of: 
 
A final payment of: 
36 Month Term*
 
35 monthly payments of: 
 
A final payment of: 

*Excludes upfront payment of $99 that is applicable in Spark retail stores

Note, monthly prices may differ depending on offers that apply to your purchase.

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