Medical Finance NZ

Choose Quickloans medical finance so you can get the healthcare you deserve. Applying for medical finance with us is quick and simple and you can get approved within as little as 60 minutes, subject to the responsible lending code. Borrow up to $150,000 and get medical finance NZ -wide so you can take care of you. From dentistry to plastic surgery, our lending team will have a medical loan with a low annual interest rate and a payment plan that’s right for you.



$1,000 – $150,000


100% Online Application

It’s easy. Only 6 mins


Get Approved

In just 60 mins*

Calculate Your Personal Lending Repayments

Use our finance calculator to determine the repayments you can afford how much you should borrow. Usually, you’ll make a deposit on the item you wish to purchase, which acts as security. We then spread the rest across 60 months. Our personal loans are subject to credit checks in accordance with the responsible lending code of NZ.

Great, here’s your calculation

Our maximum loan term is 3 years so your repayments on a $6650 loan must be $70 (or more) per week

Takes only 4 mins

$30 per week

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* This is an approximate loan duration based on assumed adequate security collateral, job security, income, residence situation and positive references.

Take The Stress Off with Trusted Healthcare Lenders

Quickloans is one of New Zealand’s most trusted lenders and we believe you should have the best quality of life and healthcare you can. With our medical finance options, you can fund treatments from New Zealand’s best specialists without waiting weeks for an appointment. Our New Zealand medical finance allows you to see private doctors and other medical professionals across a range of specialities, including cosmetic surgery, dental work, weight loss surgery, laser eye surgery or other personal medical needs.

When it comes to medical finance companies, we are trusted healthcare lenders. We offer loans ranging from $1000 to $150,000 and have made our online application process easy for you. If it is an emergency loan required, you can be approved in as little as 1 hour and if you would like to speak to one of healthcare lenders, they would be glad to help, so please do not hesitate to call.

Your Medical Finance Repayment Plan

At Quickloans, we adhere to the responsible lending code of New Zealand. We offer affordable medical finance NZ -wide helping you finance your medical costs without putting you into spiraling debt. We spread your personal loan repayments across a term that’s manageable and affordable for you.

We set out a repayment schedule depending on how much you are borrowing and  offer maximum loan terms of 48 months. We will often shorten the loan term so you’re out of debt faster. We want our loans to elevate stress not add more and by choosing us as your healthcare lenders you can relax knowing that your well-being is considered.

Medical Finance in an Emergency 

At Quickloans, we understand that unexpected health issues can happen. As NZ doesn’t mandate health insurance we offer quick loans in case of emergencies. If you have a medical emergency you can apply online within 6 minutes and if you meet our lending criteria can get approved by our healthcare lenders in as little as 60 minutes.

Have a look at our medical finance loan calculator to see how much you could borrow and what you’d be expected to pay. We offer competitive interest rates and don’t want you stuck in debt. For medical finance that won’t break the bank, apply online at Quickloans. We have you covered.

Little Healthcare Personal Loans 

For simple medical finance NZ – wide, we have you covered at Quickloans. There is no need to worry when health issues come knocking, consider a little loan to cover those GP bills before you have Baycorp pay you a visit. Our personal loans are simple and we want you to feel you can go to the doctors when you’re not well. With our finance options you can ensure that you are taking care of you.

At Quickloans we’re here to help, and with us medical finance NZ is easy. We offer loans ranging from $1000 to $150,000 so whether it’s a little loan to pay off your medical bills or a larger loan we can provide you with the cash you need. Apply for a loan today and let us help.

Health Insurance or Health finance?

Kiwis take out health insurance for protection, its a just incase and you’ll be paying for something that hasn’t happened. If you’re younger, it’s unlikely you’ll have less of a risk of health related issues and are unlikely to cash in on your insurance. However as you age it makes more sense and a great insurance becomes more of a priority.

At Quickloans we cover loans for a wide range of medical needs so if you’re wanting medical procedures that aren’t covered by your insurance one of our loans is a great option. Simply fill in the online application form and you’re on your way to that perfect smile, clear eyesight and body you’ve dreamed of.

Whats more is even if you have health insurance, you’ll often have to pay medical expenses in advance and then claim from your insurance provider afterwards.The long and tall of it is that its important to have at least a basic health insurance particularly as you age, but if you’re wanting a quick finance solution our medical finance is a great option.

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Complete our quick and simple loans online application form in only 7 minutes.



Your application is assessed by human – not a computer who’ll call you back within 60 minutes.



If your loan is approved, you’ll get access to digital loan documents and the money will be paid into your bank account, subject to the responsible lending code and affordability.

Getting started takes only 5 minutes. Our online application form for loans online is fast & easy.


Here are our Medical Finance FAQs

What can healthcare loans be used for? 

Healthcare loans are a way New Zealanders can cover medical expenses that may not be fully covered by public healthcare or private insurance. At Quickloans our loans can be used for GP visits, procedures, treatments, or medical emergencies. Our loans can cover anything from elective or cosmetic surgery not covered by your insurance to dental work that exceeds your budget, or simply paying your doctors bills.

Is a medical loan a personal loan? 

Yes they are in the personal loans category. However at Quickloans we also offer medical equipment loans for surgeries and the like.  Our loans include competitive interest rates and a repayment schedule that is tailored to you. Once you’ve submitted an application we assess your medical needs and financial situation (including your credit history). Once approved the loan amount is typically deposited into your bank account and you can use it to pay your medical provider directly.

What are the eligibility criteria for your healthcare loans?

You can easily view our full terms and conditions here. But a quick answer for you is that you need to meet our lending criteria, which is in line with the responsible lending code of New Zealand. You need to make payments on time to avoid default penalty charges and you will need to provide a deposit on the items that you’re purchasing.

Even if you think you don’t meet our requirements it may be worth giving us a call to see if we can help.

I have a medical emergency what do I do?

In a medical emergency it is important that you seek whatever help you need first. If you are severely injured call 111 and wait for assistance.

Once you have received the help you need you can then check your insurance and if you need to take out a loan to pay your expenses immediately our loans can help. We have made it easy for you to apply online in only 6 minutesfmedical and you could get approved within an hour.

We are committed to be there for our customers when they need us so please do not hesitate to call us.

Fast and hassle-free, Fast Loans Online With Our ‘Digital Signature’ Service


You’re busy. We get that. That’s why you can sign for, and receive your funds without even leaving your house. Our digital- signature service provides an even more stress-free, convenient service for you. If you’ve got a smart-phone or a computer, you can apply and get approved today!

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