We offer multiple finance options at participating practices with Q MasterCard and Q Card. You automatically get 3 months no payments and no interest^# with Q MasterCard or Q Card through the EFTPOS machine. For full priced treatments $300 and over, there's 18 months interest free⁺ at participating practices. If you don't already have a card you can apply for a Q MasterCard at one of our practices or online by clicking HERE. For more information visit qmastercard.co.nz or ask at your Lumino Practice. Lending criteria, fees, terms and conditions apply. Offer not available at Oral Surgery Associates Auckland and Ilam Orthodontics and Dentists on Merivale Christchurch. Mastercard is a registered trademark of Mastercard International Incorporated.

^#No payments and no interest for 3 months ("Payment Holiday") is available for in-store purchases on Q Eftpos and Q Mastercard. Annual Account Fee of $50 applies. Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of Payment Holiday. Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change.

⁺No payments and no interest for 18 months (“Payment Holiday”) is available on Flexi Payment Plansfor in-store purchases only at Participating practices. Minimum spend $300. Offer is ongoing. Offer is not available at Oral Surgery Associates Auckland, Orthodontix Christchurch, IIam Orthodontics, Dentistry on Merivale - Christchurch, Christchurch Oral and Maxillofacial Surgery Centre, Nelson Prosthodontics, Kieren O'Neill Orthodontics, Hodgson and Muir, RJ Begg and Associates, Wellington Oral Surgery, Wellington Orthodontic Associates, Lumino Mobile Clinics, Frankton Dental, and Coastlands Dental. Annual Account Fee of $50 applies. New Cardholder fee - $55 Establishment. Existing Cardholder fee - $35 Advance. 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 25.99% p.a applies to any outstanding balance at end of interest free period. Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

All major credit cards are accepted, including Visa and MasterCard. Most practices accept American Express and Diners Club (simply confirm when your making an appointment if you wish to pay by either of these two card types). Should you be in possession of a credit card not listed above, please discuss this with the receptionist who will be happy to request payment authorisation with the bank concerned.

Receive up to 55 days no payments and no interest^ when you use your Farmers Finance Card at Lumino The Dentists. Lending criteria, terms & conditions apply. For full terms & conditions, visit www.farmersfinancecard.co.nz 

And of course you are also welcome to settle your account using EFTPOS or cash.