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Q-Card offers loans for New Zealand residents or permanent residents

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The highly automated technology allows you to complete the process 100% online and if approved, receive a loan offer instantly.



  • Be 18 years old or over.
  • Be a New Zealand citizen or permanent resident.
  • Have a New Zealand Driver’s license or a valid New Zealand or Australian Passport.
  • Reside in New Zealand.
  • Have a valid email address and phone number.
  • Agree to a credit check.

Terms and Fees

  • The loan is interest-free.
  • Establishment fee of $55 or Advance fee of $35 (existing account holder).
  • Flexible payment periods of up to 36 months.
  • Minimum monthly payment of $10 or 3% of the total outstanding amount (whichever is higher).
  • An annual fee of $50 is applied to your account in two 6-monthly instalments (a fee of $25 is applied to your account on opening and every 6 months thereafter).

Speak to a career expert

To get started with course enrolment or ask any questions about the application process, simply get in touch today for a no-obligation careers consultation.

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