Payment options

Latitude Financial Services

Latitude Financial Services is available in all shops and has an online application option. Please just go to the GEM Visa website at

You can apply online. Once approved, when going through our checkout page, please select Latitude Financial Services.


Humm is only available currently in store. The Warner’s bay store (02 4954 5111) is the only store currently that has this option.

Please go to the website to find out about this payment option or please come into our store. It is based on being a take-home lay-by with No interest Ever.

Online applications are not available.


It is our check out system that is a secure system. It is used all over the world and is the system that is used by companies like EBay.

It takes all credit cards and other payment option at a secure location.


Each shop will have their own guide lines for Lay-bys. Please contact your nearest store for this. If you have no store in your current area please read below.

On line Lay-bys

  • We can set up a direct deposit payment plan from your bank account.
  • Our Online lay-by is not available in the Penrith, Warner’s Bay and Maitland areas. These must be done in store.
  •  Anywhere else in Sydney, Melbourne or Australia Our Online Team will cater a lay-by that you can afford and maintain.
  •  We are able to offer 4 to 24 week lay-bys. A deposit is required and the direct deposit form will be emailed to you to complete. Currently this will be done by email correspondence from our online team, but in the future we are working on this being done on checkout.
  • For now please send us an email and we will get back to you about this.