Finance & Payment Options
Flexible payment solutions to support your study goals
We know that investing in your education can be a big step to make it easier for you to get started with confidence.
Q Card Finance - flexible finance to support your training journey.
Flexible funding to support your laser career —study now, pay later with Q Card Finance
We proudly accept Q Card Finance for eligible courses and programmes, including our NZQA-accredited Micro-credential. Q Card or Q Mastercard® gives you access to Long Term Finance deals so that you can get learning with us straight away and not delay.
Please note: Q Card is available on NZLT Institute Ltd full priced purchases only (discounted Diplomas, courses, bundled products, workshops, groups are not available for Q Card purchases).
Apply or Use Your Existing Q Card No.
Apply for a Q Card or Q Mastercard, or use your existing account if you already have one. Be sure to apply at least 6 weeks before your course starts to allow time for approval and processing.
Finalise Your Enrolment with Us
Once you're approved, contact us to finalise your course enrolment using your account. You’ll receive your finance instructions from Q Card. We will email instructions about your enrolled course.
Q Card and Q Mastercard® Fees
What fees will I get charged when I apply for Q Card or Q Mastercard®?
Establishment fee: A fee is charged when you make your first purchase using Long Term Finance for new customers of $55 applies and existing fee of $35 applies. Account Fee: An annual fee of $50 applied to your account in two 6 monthly instalments. (A fee of $25 applied to your Account on opening and every 6 months thereafter), upon arrival.
What fees will NZLT charge me for using this finance option?
Please note that payments made via financing options will be subject to an approx. 4.5% processing fee of the total cost. This fee covers administrative costs associated with processing the transaction and is not charged by Q Card directly. We advise all customers to carefully consider this additional cost before opting for financing. By proceeding with payment via financing, you acknowledge and accept the approx. 4.5% processing fee.
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To qualify for Q Mastercard® you will need to be:
18 years or older
Hold a current NZ Driver License or Valid NZ passport
An NZ citizen or permanent resident
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Establishment fee: A fee is charged when you make your first purchase using Long Term Finance for new customers of $55 applies and existing fee of $35 applies.
Account Fee: An annual fee of $50 applied to your account in two 6 monthly instalments. (A fee of $25 applied to your Account on opening and every 6 months thereafter), upon arrival.
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Please note that payments made via financing options will be subject to an approx. 4.5% processing fee of the total cost. This fee covers administrative costs associated with processing the transaction. We advise all customers to carefully consider this additional cost before opting for financing. By proceeding with payment via financing, you acknowledge and accept the approx. 4.5% processing fee.
Important Notes About Q Card Finance
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Q Card is available on NZLT Institute Ltd full priced purchases only (discounted Diplomas, courses, bundled products, workshops, groups are not available for Q Card purchases).
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Full Terms & Conditions for 6 & 12 Months Interest Free
Minimum purchase of $200 to receive *6 Months Interest Free is available on Flexi Payment Plans & Flexi Purchases for in-store purchases.
Minimum purchase of $450 to receive **12 Months Interest Free is available on Flexi Payment Plans & Flexi Purchases for in-store purchases.
A $55 Establishment fee applies for New Cardholders or a $35 Advance fee applies for Existing Cardholders.
A $50 Annual Account fee applies.
Minimum 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, currently 27.89% p.a. applies to any outstanding balance at end of interest free period.
Lending criteria, fees, terms and conditions apply.
Rate and fees are correct at the time of publication but are subject to change.
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard® International Incorporated.
Columbus Financial Services Limited or Consumer Finance Limited (as applicable) reserve the right to amend, suspend or terminate the offer and these terms and conditions at any time without notice.
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You can't actually apply for a Q Card anymore. The fabulous team at Q have combined all the best bits of Q Card and Mastercard® to create Q Mastercard®.
Although we make reasonable efforts to update information about Q Card on our Website, we make no representations, warranties or guarantees, whether express or implied, that this content on our Website is accurate, complete or up-to-date. We also do not warrant or represent that the information regarding Q Card available through the Website will meet your particular requirements or needs. We therefore suggest visiting www.qcard.co.nz for the most accurate and up-to-date information.
WINZ Funding
We cannot assist with WINZ (work and income) funding. You can apply for this yourself, but in our experience they either do not cover all of it or have been known to decline it due to not being a full time, longer study course.
Studylink Student Loan
Studylink (student loan) is not available for our Micro-credential due to several factors (course duration, and the course type does not meet criteria set by NZQA / TEC).
Get in Touch
Have Questions About Finance or Payment?
We’re here to help. Whether you're unsure about finance timelines, payment options, or eligibility, reach out to our team for personalised advice.