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Personal loans

Medical Loans

Money when you need it most

Personalised rates from 6.99%¹

Won’t affect your credit score

Canstar winner 5 years in a row
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Help yourself or your loved ones with a medical expenses loan

Between medical bills and time off work, medical expenses can take their toll. Take back control with a medical 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 Fast and affordable
Recommend to all family and friends
And the chat and email responses were fantastic. Kris from Customer Care online chat was there and respond fast. I applied online for a loan from Instant Finance takes a week before they contacted me if still interesting too bad i applied with Harmoney only minutes and i found out that got approved. I m still waiting now for a second quote coz i changed the amount but 24hrs not over yet as promised. Thanks and keep up the good work. When you treat customer right they wont ever leave
Auckland, New Zealand
5.0 Very satisfying service. Would ever love to recommend to all my friends. Funds were approved within 24 hours. Thanks much for your support Auckland, New Zealand
5.0 Excellent, would definitely recommend to family and friends. Customer service team were excellent to deal with. Bay of Plenty, New Zealand
5.0 Fantasticm service will highly recommend to all family and friends the best service i have ever had thanks Bay of plenty , New Zealand
5.0 So easy and so quick. It is way quicker and better interest rates than any bank. I have recommended Harmony to my friends looking for loans. Auckland , New Zealand
5.0 I was recommended to use Harmoney from a friend who told me it was easy and manageable. He was right and I found the experience guilt free. Borrowing money is never an easy choice, but using Harmoney meant that at least I could make the choice without asking others for references or character reviews. Otago, New Zealand
5.0 The process was fast and the rate I got was great. Very professional people. I would not hesitate to recommend them to all my friends and family. Auckland, New Zealand
5.0 So fast and easy.. Will recomend HARMONEY to all my friends and family! Mt Wellington, Auckland, New Zealand
5.0 Quick, easy and painless process from start to finish. I'd definitely recommend Harmony to friends. , New Zealand
5.0 It was fast, without bureaucracy or uncomfortable long procedures and questions. I never thought about getting a loan outside my bank, but now I wonder why I haven't done it earlier. Lower rates, no long phone calls, no fees if we want to pay earlier, no hidden costs, and super super fast. Thank you for everything. I will definitely recommend to my friends and family. Auckland, New Zealand
5.0 A friend of us suggested Harmoney to apply for a personal loan and he was right: fully clear information from both, Website and Customer Service, easy application process, quick answers and they constantly keep you up to date about what is going on after your application.

, New Zealand
5.0 The process is quick and easy and I recommend harmony to my friends! Manawatu-Wanganui, New Zealand
5.0 Over all pretty happy with the experience, would recommend Harmony to my friends Canterbury, New Zealand
5.0 Great and very easy to fill in online application. Interest rate was very competitive especially for my first time as a Harmony customer.
Had loan approval confirmation within the hour and finance was deposited within 24 hours. Would highly recommend Harmony to friends and family.
Canterbury , New Zealand
5.0 Very quick and easy system to use. Would recommend to family and friends Canterbury, New Zealand
5.0 Very smart way and easy to apply online. Very fast service happy to use Harmoney again I will tell friends and family there is no muck around with paper work very happy customer here you get my vote. , New Zealand
5.0 Very helpful contact when required. Easy to deal with and good communication. I would recommend using Harmoney to friends requiring short term lending. Northland, New Zealand
5.0 I found using Harmony from the beginning of filling in the application for a loan till the loan was fully funded so easy.
The communication during this time and after by email from them was perfect, they kept you updated on every thing.
I would recommend Harmony to all my friends
, New Zealand
5.0 The whole process is super easy and very transparent. There are no hidden costs or fees and Harmoney is up front about everything. I'm going to save lots of interest on my credit card debt and actually reduce the balance! From application to funds being in my account was just under 24 hours - I am highly impressed at the ease of use and would recommend Harmoney to friends and Family. Thanks!! , New Zealand
5.0 I have been using Harmoney for about 4yrs now and have been extreamly happy with the service they provide and have also reccomeneded to many of my friends and family ....fast and easy to deal with and have made many things possible for me and my family :-)
Thanx Harmoney to all involed 5 Stars from me
West Coast South Island, New Zealand
5.0 My total experience is overwhelming with Paul Holmes, from the start to finish. This is the second experience, I had with Harmoney. Customer's service is beyond any means. I have spoken to few staff and each one gives the same amount of customer service.
Paul Holmes, was indeed was helpful in guiding through my application. He makes things pretty straight forward. I mentioned to my friends about Harmoney and asked them to take any kind of loans with Harmoney. Many thanks to Paul Holmes for his service. Very much appreciated.
Warm Regards,
Samuel Elias.
Auckland, New Zealand
5.0 Thank you Harmoney again for your quick, efficient and professional service. I am grateful for the financial assistance you have provided for me and my family. Always a pleasure doing business with you and I will definitely be recommending your services to my family members and friends.
Auckland City, New Zealand
5.0 Thanks heaps, very efficient, Informative about and hassle free. Would recommend you to family and friends any day. Just a suggestion,doesn't give us an alternative to weekly,fortnightly payments. New Zealand, Taupo
5.0 The whole procedure from beginning to end was quick,effective and hassle free.

I would recommend HARMONEY to my friends and family,just wish I'd known about them sooner.

Very satisfied customer.
2. NZ - North Island, New Zealand
5.0 The whole application service was so easy and quick. I would recommend this service to family and friends. Auckland , New Zealand
5.0 This is awesome and easy. Thank you Harmony. Recommend anytime to families and friends. , New Zealand
5.0 My experience with Harmony was so simple, easy to follow and fast, keep up the great work Harmony. I will not be hesitating to recommend you to my friends and families. Thank you AK, New Zealand
5.0 Awesome and efficient service. Better then the banks especially when looking to consolidate all your debts. Will definitely recommend Harmoney to family and friends. Auckland, New Zealand
5.0 Always awesome to deal with. Definitely recommend to my friends and I know a a couple of people have come to harmony as well. Thank you so much. New Zealand,
5.0 Harmoney has always been great, really helpful and efficient. Ive recommended harmoney to all my friends and family. Auckland, New Zealand
5.0 Simple, easy to follow, easy to understand. This is going to make my family's Christmas the joyous one yet :) Fast respond either emails or phone.The team very approachable, helpful and professional. I would highly reccomend Harmoney to anyone who wants to borrow money especially my families and friends.

Thanks a lot to Harmoney and keep it that way.
Auckland, New Zealand
5.0 I love the promptness of it. It was amazing. Within 24 hours it was all done. Plus no need to go into a finance store or bank and be judged! I'll be suggesting Harmoney to friends. , New Zealand
5.0 I love the fast service. and would recommend to other friends Auckland , New Zealand
5.0 Easy to follow instructions would recommend to friends . Waikato, New Zealand
5.0 Thanks very much - easy and simple - had some issue before but you guys solved the problem - will recommend Harmoney to friends and family- thanks much once again Auckland, New Zealand
5.0 harmony is so easy to apply for a loan fast response, and interest rate on my loan is excellent, I have recommend my work mates and friends to harmoney if they ever need a loan christchurch, new zealand
5.0 So easy online process, I will be recommending Harmoney to my friends & family - Thank you so much ☺️ Manawatu, New Zealand
5.0 Fast, efficient and outstanding service. Thank you Harmoney, I can't wait to refer your service to all my friends and family. I couldn't believe how fast my loan got approved and funded. , New Zealand
5.0 I have found Harmoney staff to be very helpful, polite and knowledgeable. I would have no problems in recommending Harmoney to family and friends. , New Zealand
5.0 Tried my bank first, but proved very difficult to get a loan and it didn't matter wheather you had excellent credit rating. A friend mentioned harmony, so I thought I'd try. What an absolute hassle free application process and you don't need to go there, you can do it all on line. The response time for an answer was swift and getting the funds was way faster. I have recommended harmony to all my friends. , New zealand
5.0 Harmoney are like a best friend, I have been doing reno's on my home for the past 2 years and Harmoney came to the party with Top Lending at fabulous interest rates. I am nearly at the end of home reno's thanks to Harmoney. I have topped up twice on my original Loan and it was done with ease. I highly recommend "Harmoney" with fast efficient Lending and a competitive interest rate. Thank you Harmoney !!! New Zealand,
5.0 I'm a big online shopper so this style of online funding was perfect for me ie., no hassles with appointments or travel. Although i had a couple of technical issues ie., uploading my bank statements & bank account details, when I called the Harmoney team they were quick to resolve my problems & within 24 hours my loan was approved & funded. Thanks Harmoney you helped me to help a very close friend out of a difficult situation. East Coast, New Zealand
5.0 Great friendly staff. Definitely tell my friends. Excellent communication and helped greatly with problems that arose. A++++ , New Zealand
5.0 Very easy to do and will recommend this to my friends
Information given by telephone was incorrect and I was eventually turned down
Canterbury, New Zealand

Simple, 100% online

1. Get to know you

Let us know how much you need to borrow to help with medical expenses and send us the personal and financial information we need to get started.

2. Get your quote

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

3. Get your money

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

What we offer

$2K - $70K

Loan limits
3 or 5 years

Loan terms
$200 or $450

Establishment fee

Early repayment fee
  • Interest rates from 6.99% p.a.24.69% p.a.¹
  • Establishment fee of $200 for loans under $5,000²
  • Establishment fee of $450 for loans $5,000 and over²
  • You can repay weekly, fortnightly or monthly
  • Your rate is fixed for the life of the loan
  • All loans are unsecured

Find out more about our rates and fees

Quick medical loan estimate

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

Common medical loan questions

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Can anyone apply for a medical expenses loan?

To be eligible to apply for a medical loan in Australia, you should:

  • Be aged 18 or older
  • Be an Australian citizen or Permanent Resident or a New Zealand citizen
  • Show proof of full-time or permanent part-time employment
  • Show proof of identity, such as a passport or Australian driver’s licence
  • Have a clear credit file without any defaults, judgments or bankruptcies
  • Need to borrow at least $2,000 with your loan

To be eligible to apply for a medical loan in New Zealand, you should:

  • Be aged 18 or older
  • Be a New Zealand citizen or Permanent Resident
  • Have a stable income

The conditions for medical expenses loans on Harmoney are the same as for most of our personal loans. We’ll tell you what documents you need to provide during your simple online application.

What can I use a medical loan for?

A medical expenses loan can help to cover your medical bills as well as other costs related to your treatment and recovery, from medication to travel, or living costs if you’re taking time off work.

Medical loans from Harmoney aren’t tied to a specific health issue or health care provider, so you can borrow money for a dental loan, cosmetic surgery loan or any other purpose.

Can I combine my loan with my health insurance?

If you can use your health insurance to pay some of your medical expenses, that could mean you don’t need to borrow as much on a loan, which will make repayment easier. Check with your health fund provider if you’re not sure what’s covered.

Do I need to use a certain health provider?

No, Harmoney medical loans are not tied to any specific medical provider or insurer. You’re free to use any private or public health service you choose, just let us know your plans when you apply for your loan.

Can I increase an existing loan?

If you need more money, you might be able to top up an existing Harmoney loan (if you’ve been making repayments for 6 months already) or you might consider a refinancing option such as debt consolidation.

Read our Top Up guide to find out if you’re eligible.

What happens if I there are changes to my financial circumstances?

If you’re finding it challenging to keep up with your repayments as planned, due to illness, loss of employment or other circumstances, talk to us. There are options and you may qualify for unforeseen hardship. The key thing is to get in touch early so we can work through it together.

Don’t let money worries add to your problems

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

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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.

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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.

About medical 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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Apply for a medical loan to cover your medical expenses from dental surgery to physiotherapy, cosmetic surgery to hospital bills, whatever the treatment is, Harmoney can help.

Find out more

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. Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 24.69% p.a. and are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved and list your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply. 99% of loan applications are funded within 24 hours of loans terms being accepted (based on loans submitted in 2018).

2. Establishment fee of $200 for loans from $2,000 to below $5,000 and $450 for loans from $5,000 to $70,000. Fixed rates range from 6.99% p.a. to 24.69% p.a. on 36 to 60 month terms, with no early repayment penalties.