Peer-to-Peer Medical Expenses Loans

main computer

100% online
99% funded in 24hrs
Rates from 9.99% p.a.
Up to $70K unsecured

Medical Loans

Medical Loans

100% online
Rates from 9.99% p.a.
Up to $70K unsecured
99% of loans funded in 24 hours

Harmoney is New Zealand's leading Peer-to-Peer money Marketplace, where everyday people lend money to other everyday people.

Why get your medical expenses through Harmoney?


100% online application.

Apply when you want, where you want, on your terms - and without any uncomfortable face-to-face meetings.


Rates from 9.99% p.a.

You're unique, so is your interest rate. It's customised to your circumstances, not everyone else's.


Up to $70,000, unsecured.

No ball and chain here, just easy repayments you can afford. No hidden or early repayment fees either.

Get Started

Find out how much you could be approved to borrow with our 100% online, no obligation application process. With no early repayment penalties and personalised interest rates starting from a low 9.99% p.a.*, a peer-to-peer loan with Harmoney could save you time, money and stress. See our full schedule of fees.

Medical Expenses Loan Calculator

Our loan calculator makes starting your loan application easy. Just slide to select the amount you wish to borrow up to $70,000, and start your no-obligation application to find out how much you could be approved to borrow and what rate might apply to you. Use the calculator.

Reasons for Getting a Medical Expenses Loan

You could use a Harmoney medical expenses loan to finance almost any medical procedure, or its related costs. Surgical bills, specialist fees, plastic and cosmetic surgery, gastric bypass surgery, lasik eye surgery, dentistry, and In Vitro Fertilisation (IVF) costs could all be covered using a medical expenses loan through Harmoney.

Peer-to-peer Lending

Peer-to-peer lending is the revolutionary new way to borrow money. Harmoney has introduced this global phenomenon to New Zealand by connecting Borrowers and Lenders through our online marketplace, helping Kiwis enjoy a better experience, using our automated, 100% online process. Find out more about P2P lending.

What is Harmoney?

Harmoney is NZ’s first licensed peer-to-peer lending marketplace that connects people who want to borrow money with those who wish to lend money. Our marketplace provides a simple way to get a personal loan, online.

Personal Loans with Harmoney - New Zealand from Harmoney on YouTube.

Medical Expenses Loan FAQs

Can I use a medical expenses loan to pay for elective surgery?

A New Zealand has a good public health system, but it can be slow – and the private health system can be pricey. If you’ve found yourself unable to wait, but your savings account won’t quite stretch to the cost of going private, a medical expenses loan through Harmoney’s peer-to-peer lending marketplace could be a good option.

Public waiting lists can leave you waiting for months, and sometimes ACC will decline you, or your health insurance will only cover some of the costs. But elective surgeries can make a huge difference to your life, so you shouldn’t have to say no just because your health insurance provider did.

A Harmoney medical expenses loan can be used to cover almost any health-related costs. You could be sick of wearing glasses (and their ongoing costs) and planning to get lasik eye surgery to improve your vision, or seeking elective cosmetic surgery or plastic surgery to improve your self-confidence and help you move forward with your life. You or one of your kids might be in need of major (and expensive) dental work, or if you’re trying to lose weight and fight off obesity with gastric bypass surgery. Whatever elective surgery you need, a Harmoney medical expenses loan could help cover the costs.

What are the fees for a personal loan?

At Harmoney, we’re totally upfront and transparent about what fees apply to loans through our marketplace. Interest rates start from a low 9.99% p.a., personalised to your situation and set based on the risk grade assigned to each Borrower during their application.

If you always make your payments in full and on time, the only fee that will apply to your loan is the Platform fee. See our full schedule of all interest rates and fees.

Still have questions?

Further information on unsecured personal loans can be found on the Community Law website.

*The Legal Stuff

Harmoney's interest rates are offered based on the individual borrower's credit rating according to Harmoney's credit scorecard. To apply for a personal loan through Harmoney, you must be a New Zealand resident aged 18 years or older with a valid New Zealand driver licence or valid New Zealand passport. You must have an acceptable credit record, as determined by Harmoney at its discretion.