What interest free offers are available?
At Barbeques Galore, interest free terms of 3, 6, 12, 18, 24 or 36 months are available. Finance is available for purchases as little as only $249.
What is interest free and how does it work?
A Line of Credit facility from Once gives you access to promotional offers such as interest free at participating Once retailers and merchants. 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.
What's more, you can also re-use your account for other interest free purchases in-store or online at participating merchants.
How much can I borrow on interest free finance?
Finance, for purchases, is usually available for any amount between $249 and $20,000 (subject to lending criteria).
Is there an establishment fee?
Yes. There is a low one off establishment fee of $49 and this fee is debited to your account once it has been established and forms part of the outstanding balance. As this is a one off fee, there is no need to reapply to take advantage of subsequent promotional offers once the account is established.
What happens after the account is established?
Once your account is established, you will receive a Welcome letter from Once, and if eligible, you will also receive a Once Visa Debit card which will give you access to your account.
Are there any monthly or annual fees?
There is a monthly Account Keeping Fee of $4.95. There is no additional ongoing or annual fee for the Once Visa card. It is issued free of charge.
What is the Once Visa Debit card?
If eligible, you will be issued a complimentary Once Visa Debit card upon establishment of your account. The Once Visa card gives you access to subsequent promotional offers including interest free. It also provides easy access to your available credit - shop online, overseas or over the phone - wherever Visa is accepted.
In addition you can also withdraw cash from your account at any ATM or via EFTPOS. No ATM withdrawal fee will apply if you use a rediATM, NAB ATM or BoQ ATM.
What is the Annual Percentage Rate?
The Annual Percentage Rate (APR) applicable will be specified in the Credit Offer. This is the rate that will be charged for Visa transactions and purchases using the Once Visa card. 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.
How do I make an interest free purchase?
If you are already a Once Visa cardholder or have a MyBuy account
Simply present your Once Visa card or driver's licence at any participating store that accepts Once Line of Credit. Our sales person 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 Once Line of Credit cardholder
Simply apply in store. Applications are processed on the spot and will generally take less than ten minutes.
What happens next?
Once you have been approved and taken delivery of the goods, the amount financed will be debited from your account.
When is my first payment due?
The first payment is due one (1) month after the account is established.
When does my interest free period start?
The interest free period starts from the date the account is established.
How often will I get my statements?
A statement will be issued to you on a monthly basis approximately two weeks prior to the payment due date. You may receive your statement by email if you prefer.
How can I make a repayment?
You can complete a direct debit form and select monthly, fortnightly or weekly payments free of charge. Alternatively you can also pay via cheque, BPAY or POSTbillpay (phone, online or at any Australia Post). Payments made by methods other than direct debit will incur a fee of $1.95.
What is the minimum repayment required?
Contractually, the minimum monthly repayment required is only 3% of the outstanding balance of the account or $40, whichever is the greater. Making only the minimum monthly repayment will not pay out the purchase within the interest free period.
Can I make extra repayments?
Yes, at your discretion. There are no penalties for early termination or additional repayments.
How can I obtain a Credit Limit Increase?
A credit limit increase is only a phone call away. Our friendly Customer Service team will be able to help you with an increase in your credit limit. Call us on 1300 661 505, Monday to Friday from 8.30 am to 5 pm (Sydney time).
Can I view or access my account online?
Yes. You can manage your Once Line of Credit 24/7 by logging into Once Online Access at www.onceonline.com.au using your Customer Number that we provided and the password that you selected during the application process. You can access your statements, view your transaction details, account balances, available credit and transfer funds using electronic funds transfer (EFT). There is no charge for this service.
How do I register for Online Access?
If you have not yet registered for Online Access, simply register your details by calling us on 1300 661 505, Mon - Fri between 8.30am and 5pm (AEST) or email email@example.com.
Who is Once?
Once is rapidly becoming one of Australia's leading providers of simple, convenient and straightforward finance solutions to Australian households. Visit www.onceonline.com.au to find out more.
* Terms, conditions, fees, charges and lending criteria apply. Once Line of Credit facility is provided by Once Credit Pty Limited ACN 112 319 632 t/a MyBuy. Australian Credit Licence 386194.