FLEXIBLE FINANCE TO SUPPORT YOUR TRAINING JOURNEY

We know that investing in your education can be a big step, which is why we offer Q Card Finance to make it easier for you to get started with confidence - study now, pay later.

iMPORTANT INFORMATION AND FREQUENTLY ASKED QUESTIONS ABOUT Q CARD FINANCE

What is Q Card or Q Mastercard® ?
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.

Apply for your Q Mastercard® online
It’s easy to apply for a Q Card or Q Mastercard® online and it only takes a few minutes.

Learn more and apply for a Q Card click here

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).

What fees will I get charged when I apply for Q Card?

For Q Mastercard Annual Interest Rates
Standard Interest Rate: 28.95% p.a.
Cash Advance Interest Rate: 29.50% p.a.

Establishment fee: A fee of $55 is charged when you make your first purchase using Long Term Finance. 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. Advance fee: A fee charged every time you make a Long Term Finance Purchase, except where it is your first Long Term Finance Purchase (where an Establishment Fee will be charged). This is $35.

The above rates may vary from time to time and change without notice. For more fees please visit the website. visit the Q-Card website to check current rates and fees.

For Q Card Interest Rates
Standard Interest Rate: 28.95% p.a.
Depending on the special offers available at the time of your purchase, a lower interest rate may apply to your purchase. Accrued interest is debited to each plan under your Q Card Account monthly on your Statement date. The Standard Interest Rate is subject to change.

Establishment fee: A $55 fee is charged when you enter into your first Fixed Instalment Plan or Flexi Payment Plan. Advance fee: A $35 fee charged every time you enter into a Fixed Instalment Plan or Flexi Payment Plan, except where it is your first Fixed Instalment Plan or Flexi Payment Plan (where an Establishment Fee will be charged). 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). Cancellation Fee: A fee payable should you cancel a Fixed Instalment Plan. This is currently $0. Statement Reprint Fee $7.50 for up to 5 Statement reprints, then $1 per Statement thereafter, payable on each request for additional Statement copies. Card Replacement Fee A $10 fee payable should a new Card be issued. Refund Fee A fee payable in the event you request any credit balance be refunded to you. This is currently $0. Fixed Instalment Plan Prepayment Fee A fee to cover our administration costs should you pay the unpaid balance of a Fixed Instalment Plan before the final payment is due. This is currently $0. Restructure Fee A fee payable on the variation of the repayment terms of your Account. This is $16.50.

For more information about fees and charges

Interest rate, fees and charges are subject to change. Capitalised terms above have the same meanings given to them in the Q Card terms and conditions. The above information is a summary only and not a substitute for reading in full the Q Card terms and conditions and the details of your individual Q Card initial disclosure statement.

Need help completing the form online, who can I call?
Please call NZ Laser training on 0800 960 235 or email info@nzlasertraining.co.nz

How do I apply for a Q Mastercard?
You can apply online at www.qmastercard.co.nz or you can contact us and we can send you a link via text to your mobile.

Criteria to Apply
To qualify for Q Mastercard® you will need to be 18 years or older, hold a current NZ Driver License or Valid NZ passport and be NZ citizen or permanent resident. Customer agrees to a credit check.

What is the difference between Q Card and Q Mastercard®?
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®.

NZLT Processing Fee for 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. 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.

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 28.95% 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.

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.qmastercard.co.nz for the most accurate and up-to-date information.