Better Hearing. Flexible Payments.

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Making better hearing more accessible

At Bay Audiology, we know hearing well can make a real difference to your quality of life. That’s why we have flexible payment options to help make hearing care more accessible. With Q Card, you can enjoy 24 or 36 months interest-free on selected hearing aids, allowing you to get the support you need now and spread the cost over time.

Why choose flexible payments?

· Get the hearing solution that is right for you today

· Spread the cost with manageable repayments

· Enjoy 24 or 36 months interest-free with Q Card or Q MasterCard®*

· No need to delay taking the next step towards better hearing

Choose the payment option that is right for you

24 Months Interest-Free*

Available on eligible hearing aid purchases of $1,000 or more.

36 Months Interest-Free*

Available on eligible hearing aid purchases of $5,000 or more, with equal monthly instalments over 36 months.

Any Q Mastercard® or Q Card holder is entitled to this offer, which is available in clinic at Bay Audiology clinics nationwide. Lending criteria, $50 annual Account Fee, fees and T&Cs apply. Please see full Terms and Conditions below.

Apply for a Q Mastercard® online

Applying for a Q Card or Q Mastercard® is quick and easy and can be completed online in just a few minutes.

Apply for a Q Mastercard®

We recommend you book your appointment with Bay Audiology while your application is being processed, so you can start exploring your hearing solutions sooner.

Frequently Asked Questions

What are Flexible Hearing Payments?

Flexible Hearing Payments are payment options available through Q Card that can help eligible customers spread the cost of their hearing aids over time, including 24 and 36 months interest-free offers.

What payment options are available?

Bay Audiology offers:

24 months interest-free on purchases of $1,000 or more*
36 months interest-free on purchases of $5,000 or more*

Available with Q Card, subject to lending criteria, fees and terms and conditions. Please see full Terms and Conditions below.

Can I use Flexible Hearing Payments for any hearing aid?

Flexible Hearing Payments are available on eligible hearing aid purchases with a minimum required spend. Your audiologist will discuss the options available and help you choose a hearing solution that's right for your hearing needs, lifestyle and budget.

Can I combine Flexible Hearing Payments with Government funding?

Yes, in many cases available funding can be applied first, with Flexible Hearing Payments used to help spread the cost of any remaining balance.

Your audiologist can explain the options available to you during your appointment.

Can I use Flexible Hearing Payments with ACC funding?

If you receive ACC funding and choose to top-up to a higher level of hearing technology, Flexible Hearing Payments may be used for the remaining balance, provided the purchase meets the minimum spend requirements and Q Card eligibility criteria. Speak to your audiologist to discuss the options available to you.

Who can apply?

Flexible Hearing Payments are available to approved Q Card customers. New customers will need to apply and meet Q Card lending criteria.

How do I apply for a Q Card or Q Mastercard?

Applying for a Q Card or Q Mastercard® is quick and easy and can be completed online in just a few minutes. You can still book your appointment with Bay Audiology while your application is being processed.

Will I need to wait for my Q Card before booking an appointment?

No. You can book your appointment at any time and discuss your hearing and payment options with your audiologist while your application is being processed

What is the difference between the 24-month and 36-month offers?

The 24-month interest-free offer is available on purchases of $1,000 or more and requires minimum monthly repayments.

The 36-month interest-free offer is available on purchases of $5,000 or more and is repaid through equal monthly instalments over the 36-month term.

Are there any fees?

Q Card fees, including an annual account fee and applicable establishment fees, may apply. Please see the full Terms and Conditions below or visit qcard.co.nz for more information.

How can I find out more?

Speak with your local Bay Audiology clinic or book an appointment to discuss your hearing needs and the payment options available to you.

How do I apply?

You can apply for a Q Card online or speak with your local Bay Audiology clinic.

Terms and Conditions

*24 Months Interest Free

24 months interest free is available on Long Term Finance for in-store purchases only until further notice.
Minimum spend $1,000.
Lending criteria, $50 annual Account Fee, fees and Ts&Cs apply.
A $55 Establishment Fee applies to the customer’s first Long Term Finance transaction and a $35 Advance Fee applies to subsequent Long Term Finance transactions.
Minimum payments of 3% of the monthly closing balance or $10, whichever is greater, are required throughout the interest-free period.
Paying only the minimum monthly payments will not fully repay the balance before the end of the interest-free period.
The Standard Interest Rate of 28.95% p.a. applies to any outstanding balance at the end of the Long Term Finance interest-free period.
Other interest rates and fees may apply.
Rates and fees are 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.

*36 Months Interest Free – Fixed Instalments

36 months interest free is available on Fixed Instalment Finance for in-store purchases only until further notice.
Minimum spend $5,000.
Lending criteria, $50 annual Account Fee, fees and Ts&Cs apply.
A $55 Establishment Fee applies to the customer’s first finance transaction.
No Advance Fee applies to this Fixed Instalment Finance offer.
Equal monthly instalments are required over the 36-month term to repay the financed balance in full by the end of the promotional period.
Provided all required repayments are made on time and in accordance with the credit contract, no interest will be charged during the promotional period.
New customers need to apply and be approved for a Q Mastercard credit card.
Other fees may apply. Rates and fees are subject to change.
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.

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