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Personal loans Medical loans

MEDICAL AND Dental Loans

Start feeling better.

Fixed personalised interest rates from 6.99% p.a. to 19.99% p.a.(plus an establishment fee of $150).¹

Won’t affect your credit score

Canstar winner 7 years in a row
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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 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
5.0 Great service, efficient and very friendly. the whole process only took 3 days from applying to getting approved. We would easily recommend Harmoney to all our friends and family. , new zealand
5.0 Been with Harmoney for few years now and service is highly recommended to family and friends New Zealand
5.0 Thank you that was great and easy to follow i would recommend Harmoney to my friends. new zealand
5.0 The service I have received has been of very high standard and stress free. I’m glad that I have stayed with Harmoney and I will continue to share my experiences with friends and family. new zealand
5.0 I'm very pleased so far I had a very friendly and quick service thanku very much I will recommend Harmony to my friends new zealand
5.0 Harmoney is like a friend that is there to help. new zealand
5.0 Harmoney, you are amazing. I was stressing how I was going to pay a medical bill and you came through so quickly. Thank you! new zealand
5.0 fast and efficent always friendly team members would reccomend to friends and family new zealand
5.0 Very easy to use will recommend to friends new zealand
5.0 Always quick and easy...I recommend to all my friends new zealand
5.0 I think you have a great team I am more than happy with your service, approachability and fast response. You are are fair the best finance company I have ever had to deal with. I have recommended Harmoney to all of my collages and friends. Thank you. New Zealand
5.0 Apart from my mistake in accepting big offer, it has been a good experience and I would recommend Harmoney to my friends and family New Zealand
5.0 Have always had great relationship with Harmoney and recommend to friends and family New Zealand
5.0 Fast and easy process. The questions were clear and simple to answer. I would highly recommend Harmoney to any of my family and friends. New Zealand
5.0 Great and quick response. I will difenitely recommend you to my friends. New Zealand
5.0 Friends New Zealand
5.0 Like a good friend...always there when needed New Zealand
5.0 excellent service as always prompt & great communication from harmoney staff
highly recommended & have advised family & friends of harmoneys loan services
New Zealand
5.0 Great service, Great speed, a very happy Customer. I have seen your adverts on Tv, would recommend your services to family and friends. New Zealand
5.0 Brilliant easy application process would recommend to a friend you guys and gals are awesome New Zealand
5.0 Best thing that I can truly so is being introduced to your company by a friend who was under a lot of pressure and not knowing where to turn to but great ending was he had your company come through for him and his two sons. Life for him now has been smooth sailing. I have enjoyed my experience due to Harmoney customer support, who have made my at ease and not loser. New Zealand
5.0 Great experience, your app is very user friendly and quick to use. Thanks for everything Harmoney I would recommend you to my friends and family New Zealand
5.0 Great very helpful at getting approved would happily recommend to friends and family New Zealand
5.0 I will recommend your great service to friends & those that cross my path in life, thank you New Zealand
5.0 Harmoney makes it so quick and easy to apply. I have shared with family and friends New Zealand
5.0 I am so grateful as my ar broke down an im a nurse an live out in the country....the loan was approved so fast.....thank u...... New Zealand
5.0 I will be forever so grateful to Harmony for reaching out to help when I needed to consolidate my loans and to help with my mother's eye surgery within minutes. It took me a good 20 mins just to sit and embrace the the great news. New Zealand
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 Quick easy service and I know other family, friends have used them before. Harmony highly recommended. New Zealand
5.0 way easier than expected, was initially concerned by the system accessing my back account directly, but a friend went through how the process works and eased my fears New Zealand
5.0 So friendly and easy to deal with will definitely recommend to friends and family 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 Great service. Very helpful during the application and also fast service. I would recommend it to my family and friends. New Zealand
5.0 Thanks to all the staff at Harmony for their great work in supporting me through times when some one is in need of financial help especially with medical love you all thanx much 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 harmoney are very helpful i would recomend them to any of my friends New Zealand
5.0 Excellent service prompt reply would recommend to family and friends New Zealand
5.0 I am very pleased with Harmoney's quick, speedy, efficient service. I highly recommend Harmoney to family members and friends:) 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 Thank you for your service & will advice friends & relatives how comfortable & professional harmoney loans were to work with. 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 Harmoney has been the most professional and efficient lending company that I have ever dealt with. Process is very straightforward and fast. Especially when you are going through a difficult grieving time, there is not much of time to waste. Your professional service will be recommended to all of my family and friends. New Zealand
5.0 Absolutely awesome and fast service got recommendations from friends and will definitely be passing that to fellow friends 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 I was really hesitate to get a loan outside a bank, but your interest rates and online process is so quick and easy. I will never use a bank again for small personal loans and recommend friends try you first! New Zealand
5.0 So fast and easy.. Will recomend HARMONEY to all my friends and family! Mt Wellington, Auckland, New Zealand
5.0 easy to understand would recommend to friends thanks harmoney 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 Easy application..i highly recommend to my other friends New Zealand
5.0 The process is quick and easy and I recommend harmony to my friends! Manawatu-Wanganui, New Zealand
5.0 I have dealt with Harmoney for quite a few years now and are always recommending you guys to my friends and family
Easy Fast Friendly Ihave never had an issue thanx a bill ;-)
New Zealand
5.0 As you have promised delivery & turn over of outcome is 24hrs. Great customer service over the phone & email. I will definitely recommend Harmoney to families & friends. New Zealand
5.0 Approval was quick, Easy to follow prompts in each section of the Application , customer service was pleasant and helpful would recommend to friends and family, it’s also good that Harmony Reviews The Loan after 6 months of prompt payments , we are happy CUSTOMERS.THANKYOU , Colin And Bing Edwin New Zealand
5.0 You guys are very fast and the loan process is very easy. Will always come back here and recommend you to my family and friends New Zealand
5.0 Execellent process with clear and simple guides. Will definately recommend to families and friends. New Zealand
5.0 Over all pretty happy with the experience, would recommend Harmony to my friends Canterbury, New Zealand
5.0 I needed some urgent money for family friend to help in urgent matter, it was really helpful & easy process with harmoney. 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 Great help.. would recomend my friends in the future. New Zealand
5.0 Very quick and easy system to use. Would recommend to family and friends Canterbury, New Zealand
5.0 Excellent service and extremely easy to use. Will recommend to friends and family. New Zealand
5.0 Very accomodating and fast will recommend to my friends and other people. Thanks! New Zealand
5.0 Fast professioner easy step to follow and friendly services . I would recommended to my friend. 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 Very quick response , friendly customer severe. Excellent customer service, will highly recommend to my friends. Thank you. 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 Have just finished processing my loan with Harmoney with the help from a lovely lady Mere Tikoduadua, she was so helpful and patient a pleasure to deal with. So thankyou I will be recommending to friends. New Zealand
5.0 Very straight forward process, stress free. Great customer service, even a follow up call when it was approved to check if I had any questions etc. would highly recommend to my family and friends New Zealand
5.0 I was refered by a friend and very happy with the service as it was very fast and easy to deal with. New Zealand
5.0 Harmoney is so quick, easy and convenient. They provided me with so accurate details. I would definitely recommend Harmoney to a friend. :) 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 I Found Harmony very help full and will recommend them to all my family and friends New Zealand
5.0 I have recommended Harmoney to so many friends and relatives. The process is simple and very easy to follow 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 Harmoney are very quick and easy to deal with, hassle free and I would highly recommend them to our friends and family New Zealand
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 Harmoney is awesome! Thankyou so much will be recommending to all my friends in future! Cheers :) 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 Your staff are very helpful and knowledgeable of your business. I will not hesitate to recommend Harmoney to all my friends who are in need of a loan. New Zealand
5.0 It is always a quick and easy process when dealing with Harmoney. I have recommended Harmoney to family and friends also. 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 This is the easiest most pain free way to secure a loan. Great job team. I would recommend you to my friends and family. New Zealand
5.0 I recommend this company to all my friends cause Harmoney is fast efficient and most helpful. 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 Has always been helpful to myself and my family. Repayments are so payable. Have informed friends and family how Harmoney has helped. Especially when I have daughter living in England. 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 So far my experience with harmoney has been great really easy process will defiantly recommend to friends and family cheers jake New Zealand
5.0 I have been with Harmoney for a couple years now, and have always found the process so simple and easy. The staff are always friendly and nice. I would recommend to friends and family. 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 or 5 years

Loan terms

Establishment fee

Early repayment fee
  • Fixed interest rates from 6.99% p.a. to 19.99% p.a.¹
  • Establishment fee of $150
  • You can repay weekly, fortnightly or monthly
  • Your rate is fixed for the life of the loan
  • All loans are unsecured

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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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 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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Debt consolidation can simplify your finances and turn your various loans and debts into one easy payment.

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Don’t put off your travel plans any longer. A holiday loan can help with the cost of flights, hotels, activities, travel insurance and other travel expenses.

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Whatever your business goals are, a business loan from Harmoney can give you the quick cash you need to achieve them.

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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.

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Whether it’s solar panels, an extra bedroom or a swimming pool a renovation loan can make your home improvement dreams a reality.

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Everything from the cake to the cars can be covered with a Harmoney wedding loan.

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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. Subject to approval and funding. 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 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 loan terms being accepted (based on loans submitted in 2021).