Medical and dental costs can't always wait — and neither should you. 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 finance covers a wide range of planned and urgent procedures — elective surgery included.
Cosmetic procedures, joint replacements, eye surgery and other planned elective surgery not covered by insurance. Finance the full cost upfront.
Implants, veneers, orthodontics, crowns and major dental work. Spread the cost of dental finance over a term that works for you.
IVF and assisted reproduction can be expensive. Finance the cost with a competitive personal loan matched to your situation.
Private therapy, counselling, rehabilitation or other mental health support not fully covered by insurance.
Unexpected bills, specialist consultations or treatment costs that need to be covered quickly. Same-day assessments available.
Medical loans can cover almost any health-related cost. Apply once and we will match you to the right lender.
Apply in 5 MinutesOne 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 medical and dental finance — including elective and cosmetic surgery.
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
Many NZ lenders decline visa holders outright. We work with lenders on our panel who specifically cater for employed visa holders with stable NZ income and a good credit history — one application, no credit score impact from our check.
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.
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A medical loan is a personal loan used to cover health-related costs not funded by ACC or the public health system. Medical finance in NZ is commonly used for elective surgery, dental work, fertility treatment, specialist consultations and mental health care. It lets you access the treatment you need now and repay the cost over time at a fixed rate.
Medical loans work the same way as any other personal loan. You borrow a fixed amount, repay over an agreed term with set repayments. Funds are paid directly to you once approved — your healthcare provider doesn't need to be involved in the transaction.
Medical and dental finance in NZ can cover a wide range of procedures. Common uses include dental treatment such as implants, veneers, orthodontics and crowns; fertility treatment including IVF; mental health care such as private therapy and rehabilitation; and urgent medical costs that need to be covered quickly.
Elective surgery finance is one of the most common uses of a medical loan in NZ. This includes cosmetic procedures, joint replacements, laser eye surgery and other planned treatments not covered by insurance. You can apply before your procedure date and have funds ready when you need them.
Both planned and urgent medical costs can be funded through a medical loan. For urgent treatment, same-day assessments are available and funding is possible the same day for applications approved before 12pm on business days.
No. You can apply without a formal quote or invoice. An estimate is sufficient to start. If you have a quote from your provider it helps with accuracy but it is not required to lodge your application.
Lending Room matches you to lenders who specifically accept medical and dental lending. One soft credit check, one application, no impact on your score.
Some healthcare providers in NZ offer in-house payment plans or finance through a single lender partner. While convenient, these usually offer one rate with no ability to compare. The rate charged can be significantly higher than what is available through independent medical finance options.
Applying through Lending Room gives your application access to multiple lenders, increasing your chance of finding a more competitive rate. We run one soft credit check and present your options before you commit to anything.
Applying takes about five minutes. You will need your NZ driver licence or passport, three months of bank statements, an estimate of the treatment cost and details of any existing loans or debts. You do not need to provide medical records or specifics about the procedure.
We run a soft credit check during our assessment which does not appear on your credit file. In most cases you will hear back the same day. If your situation is urgent, let our team know when we contact you and we will prioritise your application.
Ready to get the care you need?
Apply in 5 minutes. One application, matched to the right lender. No credit score impact and no obligation to proceed.
Apply in 5 MinutesOne application, one soft credit check, matched to the right lender. Do not let the cost stop you from getting the care you need.
