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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 or 24 months, interest free.

The device must have a price of $199 (incl GST) or more, after any applicable subsidy. To be eligible for interest free payments, you need to be on an eligible plan.

Interest free payment options are available

  • When you buy selected items online, over the phone or from a Spark store
  • When Spark Digital customers order mobile devices through MySpark Digital
  • When new Spark Broadband customers join on an eligible plan and take up an interest free payment offer. Note, this offer is not available online.
  • Use the interest free payments calculator at the bottom of the page to work out your payment amounts

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.​​
  • View an example of interest free payments on your 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. Get in touch

View your interest free payments in MySpark

  • Sign in to MySpark
  • Hover your mouse over the Products and services drop-down menu and select Interest free payments
  • You'll see all information relating to your interest free payments

View your interest free payments in the Spark app

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


  • Standard Spark credit criteria applies
  • Only one interest free option can be active on an account at a time
  • Interest free payments are available on new connections, upgrades and replacement mobile devices
  • Interest free payments are available on all mobile devices, mobile broadband devices and some broadband offers
  • If you want to upgrade your item before paying it off, you'll need to pay the remaining balance with your next bill
  • You can't transfer payments between items from one customer to another. You need to pay off the item in full before any change of ownership requests.
  • For 12 and 24 month interest free payment periods, the item must cost $199 including GST or higher. This total must be after any subsidy.
  • Available through all Spark retail channels


Interest Free Mobile Phones Calculator
Total amount to pay (less any subsidy): $
12 Month Term
11 monthly payments of:         
A final payment of: 
24 Month Term
23 monthly payments of: 
A final payment of:         

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