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Personal loans Medical loans

MEDICAL AND Dental Loans

Start feeling better.

Won’t affect your credit score

Canstar's most awarded Personal Loan (ever)
CANSTAR 2015 2022 Outstanding Value Personal Loan OL
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Take the stress out of paying your medical bills.

Between medical bills and time off work, medical expenses can take their toll. Take back control with a medical and dental expenses loan.

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Once you have approved the terms of your medical expenses loan, the money should be approved within 24 hours.

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There are no nasty surprises at Harmoney. After paying your initial establishment fee there will be no more fees to pay, provided you keep up with your payments.

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No need to provide security. At Harmoney, our medical expenses loans are unsecured, so your assets are safe.

What our customers say

5.0 Awesome Service from Anasa and the team so quick easy and a friendly bunch , Thank you Harmony I will highly recommend you to all family & friends A++++++ new zealand
5.0 Wonderful. I had a confusing time trying to work out the forms and the team nursed me through on the phone new zealand
5.0 Quick and easy process and very friend and helpful staff new zealand
5.0 Harmoney team is amazing and very helpful when needed for my family financials matters, thank you so much Harmoney Team and am fully recommended to friends & family's. new zealand
5.0 Thank you so much Harmoney for the fast approval to consolidate my debts.. I will definitely recommend you to my friends. new zealand
5.0 Great thanks again Harmoney, would highly recommend to friends who are in need with less hassle. new zealand
5.0 Love the service and very friendly staff. Would recommend your service to my family and close friends. new zealand
5.0 Excellent advice and services, easy process. I will recommend to my friends. new zealand
5.0 I'm just relieved the loan has gone through, it will be helping my life changing surgery new zealand
5.0 Fast and efficient, I needed some finance urgently and Harmoney came through, they said 3 working days, it was approved day after I applied, have recommended to friends and families, tick all the boxes, thank you. new zealand
5.0 Amazed at how quickly I was able to get a loan, it was such a relief after having unexpected dental and medical expenses in the same month. new zealand
5.0 Great service with a fast response to my financial application. I will definitely recommend Harmoney to friends and family new zealand
5.0 Always efficient, and highly professional. Very clear with details. I would share with my friends that this is a great financial company to borrow loans from. new zealand
5.0 The people that have communicated with me both by email and phone have all been wonderful, very friendly and very helpful, fast and efficient. I will be definitely recommending to friend and family if looking for a personal loan. new zealand
5.0 Great experience....will help you just like best friends new zealand

Simple, 100% online

3. Get your money

Your money should arrive within 24 hours of accepting your quote and sending a few final bits of information.

1. Get to know you

Tell us how much you need for dental work and provide the documents we need through our online platform.

2. Get your quote

We’ll send you a detailed quote for your dental expenses loan so you know exactly what you’re signing up for.

What we offer

$2K - $70K

Loan limits
3, 5 or 7 years

Loan terms

Establishment fee

Early repayment fee
  • You can get a 3, 5 or 7 year loan term¹
  • Secured fixed rates from 9.89%* p.a to 21.49% p.a.
  • Unsecured fixed rates from 9.99% p.a. to 24.99% p.a.²
  • Establishment fee of $150
  • You can repay weekly, fortnightly or monthly
  • Your rate is fixed for the life of the loan

* If you take out a secured loan and don’t meet the security conditions within 60 days of the loan advance, the loan will revert to unsecured and the interest rate will change to a higher unsecured interest rate.

Quick dental loan estimate

Get a personalised snapshot of your interest and repayments on a medical loan using our online loan calculator.

Common dental loan questions

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Don’t let money worries add to your problems

With a dental expenses loan covering costs, you can concentrate on recovery.

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Pay an individual interest rate calculated using your personal credit assessment.

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100% ONLINE – 24/7

Apply online at any time and be done in a matter of minutes.

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Unlike many loan providers, we’re happy for you to pay back your loan early and we don’t charge any extra fees.

About dental expenses loans

Whether it’s ongoing treatment, rehabilitation, an unexpected injury or a long-planned procedure, a medical expenses loan can ease the financial burden of your treatment and let you focus on your recovery.

Before applying, it’s important to understand the various features of a medical expenses loan and how they will affect you.

Unsecured medical loan

An unsecured loan does not require an asset, such as property or a vehicle, to be put forward as security. This means if you default on the loan you don’t risk losing your asset.

Medical expenses loans from Harmoney are always unsecured.

Secured medical loan

Secured loans often have lower interest rates than unsecured loans, but they carry a higher risk. A secured loan requires an asset to be offered up as collateral, such as a computer or jewellery. If you are unable to make the repayments on a secured loan your assets are repossessed and sold to cover the cost of your loan.

We do not offer secured loans at Harmoney.

Medical payment plans

Medical payment plans are offered by many health providers as an alternative to upfront payment of medical bills. They involve payments made at regular intervals until the debt is settled. Where these loans differ from personal medical loans is that they only cover medical bills, the loan cannot be used to cover other costs such as equipment, or everyday expenses if you are forced to take time off work.

Specialised medical loan

Medical, dental and cosmetic procedures can sometimes carry their own specialised loans; however, they often have unattractive terms such as high interest rates, long loan terms and the requirement for assets as security.

Fixed and variable rates

It’s important to understand the difference between fixed and variable interest rates and how they will affect your medical loan.

A variable interest rate rises and falls based on market values, meaning your repayments could differ greatly from month to month. A fixed rate remains the same throughout the term of the loan, meaning your repayments will stay the same every month.

Harmoney medical loans always have a fixed interest rate so you know what you’ll be paying from start to finish.

We’re here to help

Apply online for a medical expenses loan and get back to focusing on your recovery.

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We're real people and here if you need us

If you need help, just give us a call on 0800 427 666 or jump on to online chat and one of our more than 30 specialists will be there to lend a hand.

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Terms and conditions

1.Loan terms subject to availability.

2. Subject to approval. Harmoney’s interest rates are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.