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Learn about interest free payments

With interest free payments you can buy a Spark mobile device and pay it off via monthly payments. Learn more about buying a mobile device using interest free payments.

When you buy a new mobile you can choose to spread the cost over 12 or 24 months, interest free. The mobile 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 a Pay Monthly plan.

Interest free payment options are available:

  • When you buy your mobile online or from a Spark store   
  • When Spark Digital customers order mobile devices through My Spark Digital

GST on your first bill

The GST on your first bill will appear high as it includes GST for the full cost of the mobile device. A credit covering the GST will also show on your bill. All monthly installments after your first bill won't include GST.

Note: It can take up to two bills for the cost of your mobile, GST credit and the first interest free payment to show. For example, the charge for your mobile may be in your first bill. The credit and first installment may appear in your next bill.

Ending contract before paying all installments

  • 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 installments 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. Contact us to arrange

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 mobile number 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 mobile, 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, including mobile broadband devices.
  • If you want to upgrade your mobile before paying it off, you'll need to pay the remaining balance in your next bill.
  • You can't transfer payments between mobile devices or from one customer to another. You need to pay off the mobile device in full before any change of ownership requests.
  • For 12 and 24 month interest free payment periods, the mobile must cost $199 incl GST or higher. This total must be after any subsidy.
  • Available through all Spark retail channels.
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