Online Finance Application


**Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly)). Prevailing interest rate (currently Gem Visa 29.49% p.a./Gem CreditLine 29.95% p.a.) applies after any interest free term ends. Paying only the minimum monthly repayment of 3% of the outstanding monthly balance or$20 (whichever is more), will not be sufficient to repay the purchase amount(s) within the promotional period. Amount payable will be shown on your monthly statement. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. Further information on rates and fees can be found at Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card. Credit provided by Latitude Financial Services Limited.


Welcome to the Finance Now's easy application form. It takes less than 5 minutes and we will have an answer to you within 1 business hour by phone or by email.

Should you have any questions, or to find out what the current finance terms and conditions are, please feel free to call our Elite Fitness customer service team on 0800 243 834 or chat to us online today.


Click here to apply for finance online with Finance Now.

We currently don’t offer this service over the phone, however, you can visit any Elite Fitness store to fill in an application form. In order to successfully complete an application, you will need to supply the following information:

  • Your full name
  • Residential address (also past addresses for the last two years)
  • Date of birth
  • Phone number
  • An alternative contact person (not living at the same address)

You will also need to present 2 acceptable forms of ID. These include Driver's licence, Passport or Firearms licence as a primary ID. A Secondary ID can be a Credit Card, Eftpos, Debit Card, 18+ Card, Super Gold Card, or Community Services Card, with your name embossed on the card. If you have lived in New Zealand for less than 2 years, or it is your first hire purchase, additional criteria may apply. Most applications are approved within 5 minutes of completing the form and only a few take longer than 15 minutes.

You may be required to pay a deposit of at least 10% of the purchase. Normal credit criterias applies.