Finance Options

We have a range of finance options to suit your needs. Talk to our team to find out more.

Q Card & Q Mastercard

Apply for a new Q Card or Q Mastercard. Q Card lending criteria, fees, terms and conditions apply. Your Q Card could give you interest-free terms* on our products and services. Learn more about the Q Card or apply for a card here!

• 0% for up to 24 months then 25.99% p.a.
• Minimum spend of $499
• Monthly payment option - subject to approval
• $50 annual fee
• $55 establishment fee or $35 advance fee for existing card holders
• $15 late payment fee


Use Laybuy in stores or online. Pay it in 6 installments, interest free. Visit to set up your Laybuy account. Payments can be made on the day of your choice. If your instalments are paid on time, you only pay the price of your purchase – all interest free.

• 0% interest rate on all purchases
• No minimum spend
• 6 weekly instalments
• Up to $1000-$2000 - subject to approval
• $0 annual fee
• $10 late payment fee


Available for online purchases only. Instantly create your account to complete your purchase. Visit or download the Afterpay app to create your account.

• 0% interest rate on all purchases
• No minimum spend
• Up to $2000 max. limit (subject to approval)
• $0 annual fees
•$10 late payment fee
• 4x instalments over 6 weeks (pay your first instalment at the time of purchase and the remainder every 2 weeks)

Frequently asked questions

Terms & Conditions: 12, 18 & 24 months interest free is available on Flexi Payment Plans & Flexi Purchases. Minimum spend $499. Annual Account Fee of $50 applies. Establishment fee of $55 applies to new cardholders. Advance fee of $35 applies to existing cardholders. Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of interest free period. Lending criteria, fees, Ts&Cs apply. Rate and fees correct as at date of publication, subject to change. Columbus Financial Services Limited or Consumer Finance Limited (as applicable) reserve the right to amend, suspend or terminate the offer and these terms and conditions at any time without notice. MasterCard is a registered trademark and the circles design is a trademark of MasterCard International Incorporated.

For online orders we accept payment by Visa, Mastercard, Q Card/Q Mastercard, account2account (bank transfer), Laybuy, Afterpay and Genoapay.
Credit/debit card transactions are processed with PxPay by Direct Payment Solutions, providing our customers with the very best in online security. Card details are not collected or stored by Harvey Furnishings. PxPay 2.0 is a platform independent ecommerce solution provided by Windcave. Using a Hosted Payment Page to accept sensitive card data, PxPay2.0 provides a financially secure and compliant solution without exposing merchants to sensitive information.

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