Terms & Conditions – Applying for finance

Subject to normal lending criteria. Rates are subject to change. Instant Finance Limited reserves the right to change fees and/or interest rates without prior notice. All products are subject to availability and may differ from those shown. Free delivery excludes rural delivery of furniture.

IMPORTANT NOTICE:

The repayment instalments shown on this website over selected terms represent costs for finance relating to online transactions only. Transactions completed manually in branches of Instant Finance Ltd will attract increased loan establishment fee charges and are available on request or from the literature and brochures found in those branches.

A sale through the MyHome website for any MyHome product is not final or binding until the availability and price of ordered product displayed is confirmed by MyHome.

When purchasing from us, you must read and accept our terms and conditions, which includes our Delivery Policy, Returns and Cancellation Policy and Privacy Policy.

Terms and Conditions for Friend Get Friend Promotion

• The promoter is Instant Finance Ltd.
• By entering this promotion, participants are deemed to have read and accepted all the terms and conditions of entry.
• “Existing MyHome or Instant Finance customer” is someone who:
  • Has previously purchased a product from MyHome, or
  • Has a current loan account with Instant Finance, or
  • Has previously had a loan account with Instant Finance
• “New MyHome customer” is someone who has never purchased a MyHome product. They may or may not be an existing or archived Instant Finance customer.
• In order to be eligible for the promotion, the following must happen:
  • The referring customer must complete their details as well as the name of the customer they are referring on the voucher
  • The referred customer must provide this voucher to an Instant Finance or MyHome staff member prior to completing their MyHome order
  • The referred customer must purchase a minimum of $500 of MyHome products
• Vouchers cannot be accepted retrospectively after a MyHome order has been completed
• The $50 payment to either customer will not be processed until after successful delivery of the MyHome product to the referred customer
• If the referred customer subsequently cancels the MyHome purchase (for reasons other than those provided for under the Consumer Guarantees Act), the $50 referral fee paid will be removed from any refund provided.
• Where relevant, the $50 cash will be credited to the customer’s existing Instant Finance account and, subject to branch discretion, can be withdrawn as a cash cheque
• If the customer does not have an existing loan account with Instant Finance, MyHome can either issue a cheque or make a direct credit into a nominated bank account
• There is no limit to the amount of new MyHome customers that an existing customer can refer.
• A new MyHome customer can only be referred once
• This promotion is not available with any other offers
• Instant Finance and MyHome reserve the right to amend the Terms and Conditions without notice
• Instant Finance and MyHome reserve the right to withdraw this promotion without notice
• This promotion is not available to employees of Instant Finance, their families or agents of the Instant Finance group
• All participants and entrants must be aged 18 years or older.
• These Terms and Conditions do not alter a consumer’s rights under the Consumer Guarantee Act
• Instant Finance Ltd collects and its related companies hold certain details of your personal information for the purposes of these promotions. You have the right to access and correct your personal information under the Privacy Act 1993.

MyHome’s Birthday Bonanza Promotion 2018

Terms and Conditions 

• Eligible participants will receive a $50 cashback for MyHome purchases between $1,000 to $2,000, a $100 cashback for MyHome purchases between $2,001 to $3,000 and a free Meizu M5C Mobile phone for MyHome purchases $3,001 and more. There is a limit of 1 cashback award per customer of either $50 or $100 but not both. There is a limit of 1 free phone per customer, but a customer cannot claim cashbacks and the phone together.
• The Cashback amount will be credited to the customer’s Instant Finance account once the items purchased are delivered. This cash amount will be made available to the consumer to withdraw via cheque from the Instant Finance branch or transferred into a personal account of their choice. The cheque can be cashed at any branch of the Westpac bank.
• The promotion will run from 16/07/2018 to 31/08/2018.
• The Free Meizu M5C Mobile phone is subject to availability. MyHome reserves the right to substitute with a similar or upgraded model. 

• Offer is subject to normal lending criteria. Standard terms and conditions apply.
• By entering the promotion, participants are deemed to have read and accepted all the terms and conditions of entry.
• The free phone is non-transferable and not redeemable for cash.
• Entrants must be aged 18 years or older.
• The free phone is covered by the manufacturer’s statutory warranty period should any faults be encountered.
• Neither MyHome Ltd nor Instant Finance Limited or any of their related companies shall not be liable for any loss or damage whatsoever which is suffered (including but not limited to indirect or consequential loss), as a result of the loan applicant accepting the iPhone 7, except any liability which cannot be excluded by law.
• MyHome Limited and Instant Finance Limited collects and its related companies hold certain details of your personal information for the purposes of these promotions. You have the right to access and correct your personal information under the Privacy Act 1993.
• This promotion is not available to employees of Instant FinanceLtd. Or MyHome.
• This promotion is not available with any other offers past or present.
• Instant Finance and MyHome reserve the right to withdraw this promotional offer or extend its duration without prior notice.
• Instant Finance reserves the right to amend these T’s and C’s without notice.
• These T’s and C’s do not alter the consumer’s rights under the Consumer Guarantee Act.