How Q Card Works at Our Clinic

Step 1: Apply online yourself

To use Q Card or Q Mastercard for treatment, you'll need to set up an account first. It only takes a few minutes online. We recommend doing this yourself, as the application asks for personal details about income and expenses that we don’t need (or want!) to see. You can apply at qcard.co.nz

Step 2: We activate the interest-free finance for you

Once your account is approved, we’ll handle the interest-free part. As a registered Q Card merchant, we’ll lodge the transaction on your behalf through our merchant portal.

Terms & Conditions
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• _{Interest free terms are available on Long Term Finance (LTF) for in-clinic purchases only until further notice.}
• _{Min spend $499. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $}
• _{55 Establishment Fee applies to your first Long Term Finance (LTF) transaction,}
• _{$35 Advance Fee applies to subsequent LTF transactions.}
  
• _{Min 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 of 28.95% p.a. applies to outstanding balance at the end of LTF interest free period. Other interest rates and fees may apply. Rates and fees subject to change.}
  
•  _{New customers need to apply and be approved for a Q Mastercard credit card.}
  
• _{Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice.}
  
• _{A Dental Holistix Fee may apply, please consult the team for more information.}