At White Smile Dental we are able to offer you a range of payment options, making sure that paying for your smile is as easy and stress-free as possible. Payment is usually at the time of treatment.

Lumino Payment Options

Credit Card

All major credit cards are accepted, including Visa, MasterCard, Diners Club, and American Express. Should you be in possession of a credit card not listed, please discuss this with our receptionist who will be happy to request payment authorisation with the bank concerned.

Q Card

We offer multiple finance options with Q Card, 24-months interest-free when you swipe and sign your Q Card through the EFTPOS machine, or for purchases of more than $300 you can enjoy up to 24-months interest-free*. You can apply for a Q Card at our practice or online. For more information, visit or ask our practice.

Gem Visa

Receive up 6 months interest-free credit when you use your Gem Visa Card. A minimum spend of $250 applies. For more information on Gem Visa, visit



We have partnered with Afterpay to give our patients the opportunity to have their dental treatments sooner and pay for it later in 4 interest-free installments. Spread out the cost of your appointment without having to pay any extra fees.

Afterpay is available on a wide range of dental treatments including emergency treatments, hygiene treatments, exam and x-rays check-ups, whitening and fillings, implants, tooth extractions and even electric toothbrushes.


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

Government Subsidised


ACC may be able to help towards your treatment costs if you have a dental injury caused by an accident, a sporting injury, or as a result of dental treatment. Please note: ACC may not cover the full cost of your dental treatment. Please check with ACC for more detail.

Work and Income

Work and Income New Zealand provide financial assistance for urgent dental treatment. Contact your local WINZ office for more information on what this assistance is. We are happy to provide quotes for you to take to WINZ so you can find out how much assistance you are able to receive. No initial consultation fee is charged for a WINZ quote.