Medical and dental costs shouldn't stop you from getting the treatment you need. Apply once with Lending Room and we match you to the right lender for your situation. Rates from 8.99% p.a. with no impact on your credit score from our check.
Medical and dental loans can cover a wide range of planned and urgent procedures.
Cosmetic surgery, joint replacements, eye surgery and other planned procedures not covered by insurance.
Implants, veneers, orthodontics, crowns and major dental work. Spread the cost over a manageable term.
IVF and other fertility treatments can be expensive. Finance the cost with a personal loan at a competitive rate.
Private therapy, counselling, rehabilitation or other mental health support not fully covered by insurance.
Unexpected medical bills, specialist consultations or treatment costs that need to be covered quickly.
Medical loans can cover almost any health-related cost. Apply once and we will match you to the right lender.
Apply nowOne short form. We handle the matching, the follow-up and the hard work.
Takes about 5 minutes. Tell us your loan amount, purpose and basic situation. Just the once.
We run a soft credit check and match you to the lender on our panel most likely to get you a better deal. A soft check does not affect your credit score.
Our team contacts you with your approval. If it works for you we guide you through to settlement. No obligation at any stage.
Ready to get started?
Apply in 5 minutes. One application. A better loan deal.
We help employed New Zealanders with a good credit history access finance for medical and dental treatment.
You are employed
Full-time, part-time or self-employed with verifiable income.
NZ citizen, resident or eligible visa holder
Open and employer-specific work visas with at least 13 months remaining.
Good credit history
We work with borrowers who have a clean or near-clean credit record.
Loan between $3,000 and $250,000
Terms from 6 to 84 months.
What to have ready
Having these on hand will speed up your assessment.
Your NZ driver licence or passport
3 months of bank statements
A quote or invoice for the procedure if available
Details of any existing loans or debts
Common questions about financing medical and dental treatment through Lending Room.
Can't find what you're looking for? Contact our team
We run a soft credit check during our assessment which does not appear on your credit file or affect your score. Once we match you to a lender, some accept our soft check while others may run their own. We will let you know before we submit.
In most cases yes. Medical loans can cover elective surgery, dental work, fertility treatment, mental health care, specialist consultations and urgent medical costs. Tell us what the loan is for and we will match you to the most suitable lender.
The minimum is $3,000 and the maximum is $250,000 depending on the lender and your personal circumstances. Loan terms range from 6 to 84 months.
Same-day funding is possible for applications approved before 12pm on business days. If you need funds urgently let our team know and we will prioritise your application.
No. You can apply without a formal quote. If you have one it helps with accuracy but it is not required. Our team will work through the details with you when we call.
A broker and introducer fee of up to $1,500 applies when your loan is successfully funded. This fee is added to your loan amount and is GST inclusive. It is disclosed clearly before you commit to anything and you are never under obligation to proceed. Lender establishment fees may also apply depending on the lender.
Rated 5 out of 5 on Trustpilot
One application, one soft credit check, matched to the right lender. Do not let the cost stop you from getting the care you need.
