Fraser Dental offers a wide variety of dental payment plans and options to suit everyone’s budget and lifestyle. Don’t compromise on your oral health – choose a dentist with payment options that work with all of your stages in life.

Whether you are investing in orthodontics, cosmetic dentistry or dental implants, your smile and oral health is an investment in your future. Your Clinical Assistant will discuss all of our payment options with you in the privacy of our treatment rooms.

Pay As You Go

If you choose to pay-as-you-go, you simply pay for your treatment in full at each appointment. We accept EFTPOS, cash, cheque, and all major credit cards including Visa, Mastercard, Diners, AMEX and GE cards.

Please note that credit cards incur a surcharge.

Paying Off Your Treatment

If you wish to pay your treatment off over time, we can offer you three options: GEM Visa, Q Card or Farmers Finance Card.

GEM Visa allows you to pay off the cost of larger treatment plans over time, making the cost of your dental care more manageable and allowing you to preserve your lifestyle while still enjoying your beautiful new smile. For more information on our GEM Visa payment options, please visit our GEM Visa page.

Q Card is an another great option for paying off your dental treatment over time. With Q Card you can spread the cost over 12 months interest free, or choose longer repayment terms with very competitive interest rates. For more information on our Q Card payment options, please visit our Q Card page.

You can also use your Farmers Finance Card to spread out the cost of your dental treatments over time. Farmers Finance Cards have similar repayment options to GEM Visa and Q Card, and also offer competitive interest rates. For more information on our Farmers Finance Card payment options, please visit our Farmers Finance Card page.

OrthoPlan – Orthodontic Payment Plan

OrthoPlan is our orthodontic payment plan especially designed to make managing the cost of orthodontic treatment financially easier for you and your family. Visit our OrthoPlan page for more details and examples of how this works.


ACC may provide financial assistance for patients who require dental treatment as a result of an accident or injury. In some cases ACC contributes towards the cost of crowns, fillings, extractions, dentures, and implants which are needed because of an accident.

If you have dental treatment with us for an accident or work-related injury, we will send a claim to ACC on your behalf. Please note that we will require you to settle your account with us at the time. If ACC approves your treatment, they pay us their contribution and we will in turn refund this to you directly. In most cases you will still be required to contribute to your dental treatment.

Free Dental Benefits For Teens

In New Zealand, all teenagers are eligible for free basic dental care from Year 9 through to their 18th birthday. We work with teenagers to establish great oral health habits that will set them up for a lifetime of healthy teeth and gums. Visit our Free Teen Dentistry page for more information on these services.

Smilesaver Dental Savings Plan

Smilesaver is an innovative dental savings plan that helps you to afford regular dental care. It is essentially a savings plan requiring small weekly payments from as low as just $6 per week. As these savings build up over time, you can use them toward any treatment or products you wish. Visit our Smilesaver page for more information about how you can start saving towards your dental treatments today.

Share A Smile

Our Share A Smile loyalty cards are our way of saying “thank you” for recommending Fraser Dental to someone else. If you use our loyalty cards to recommend our dental services, we reward both you and them with $50 worth of credit when they have their first appointment with us.

We also offer referral rewards to teenagers who are enrolled for our Free Dental Benefits For Teens services. Teenagers who recommend Fraser Dental to family or friends receive free movie tickets as a thank you. Full details of our referral reward systems can be found on our Share A Smile page.

Southern Cross Easy Claim

Fraser Dental is a Southern Cross Affiliated Provider, providing Southern Cross Health Insurance members with certain dental services at agreed prices. Visit our Southern Cross Easy Claim page for more information on these services.