Exactly what do i take advantage of a medical loan for?

Exactly what do i take advantage of a medical loan for?

A medical costs loan can help protect your medical bills along with other expenses pertaining to your therapy and data recovery, from medicine to visit, or residing costs if you’re taking time off work.

Medical loans from Harmoney aren’t associated with a health that is specific or medical care provider, in order to borrow funds for a dental loan, plastic surgery loan or just about any other function.

Could I combine my loan with my medical insurance?

If you’re able to make use of your medical insurance to cover a number of your medical costs, that may mean you don’t need certainly to borrow just as much on a loan, which can make payment easier. Consult your wellness investment provider if you’re maybe maybe not what’s that are sure.

Do i have to make use of a particular wellness provider?

No, Harmoney medical loans aren’t linked with any certain medical provider or insurer. You’re free to utilize any personal or health that is public you decide on, simply inform us your plans whenever you make an application for your loan.

Am I able to increase an current loan?

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

Read our loan guides to learn if you’re eligible.

What are the results if we you will find modifications to my circumstances that are financial?

If you’re finding it challenging to keep up together with your repayments as prepared, as a result of infection, loss in employment or any other circumstances, communicate with us. You will find options and you also may be eligible for unforeseen difficulty. The thing that is key to obtain in touch early therefore we could work through it together.

Don’t allow cash concerns increase your dilemmas

By having a expenses that are medical addressing costs, it is possible to focus on data recovery.


Unlike numerous financial institutions, we’re pleased for you really to spend your loan back early therefore we don’t charge any extra charges.


Spend an interest that is individual determined with your individual credit evaluation.

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Apply on line at any some time be performed in only a matter of moments.

About medical loans

You focus on your recovery 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.

Before you apply, it is essential to comprehend the different options that come with a medical costs loan and exactly how they’ll influence you.

Unsecured medical loan

An loan that is unsecured perhaps not need a secured asset, such as for instance property or an automobile, to be put forward as safety. What this means is you don’t risk losing your asset if you default on the loan.

Health expenses loans from Harmoney are often unsecured.

Secured medical loan

Secured finance frequently have reduced interest levels than short term loans, nonetheless they carry an increased danger. A loan that is secured an asset become provided up as security, such as for instance some type of computer or jewellery. If you should be not able to result in the repayments for a secured loan your assets are repossessed and offered to pay for the expense of your loan.

We try not to provide secured finance at Harmoney.

Healthcare re re re payment plans

Healthcare re payment plans might be offered by numerous wellness providers instead of payment that is upfront of bills. They include payments made at regular periods before the financial obligation is settled. Where these loans vary from personal medical loans is which they just cover medical bills, the mortgage may not be used to pay for other expenses such as for instance gear, or everyday costs if you’re obligated to devote some time off work.

Specialised medical loan

Healthcare, dental and aesthetic procedures can occasionally carry their particular specialised loans; nonetheless, they often times have actually ugly terms such as for instance high rates of interest, long loan terms as well as the requirement of assets as safety.

Fixed and rates that are variable

It’s important to know the difference between fixed and interest that is variable and exactly how they are going to impact your medical loan.

A interest that is variable rises and falls according to market values, meaning your repayments could differ significantly from every month. A fixed price continues to be exactly the same for the term for the loan, meaning your repayments will remain similar on a monthly basis.

Harmoney medical loans constantly have a hard and fast rate of interest so that you know very well what you’ll be spending from beginning to end.

We’re right here to aid

Apply on line for a expenses that are medical and obtain back into centering on your data recovery.

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Make an application for a medical loan to protect your medical costs from dental surgery to physiotherapy, surgery treatment to medical center bills, regardless of the therapy is, Harmoney can really help.

We are genuine individuals and right right here if you’d like us

If you want assistance, just call us on 0800 427 666 or hop on to reside talk and another of your significantly more than 30 experts is going to be here to assist.


1. At the mercy of approval and financing. Harmoney’s interest levels consist of 6.99% p.a. to 24.69per cent p.a. and generally are offered on the basis of the borrower’s that are individual assessment in accordance with Harmoney’s credit scorecard. To become approved and list your loan you have to satisfy Harmoney’s credit requirements and accountable financing needs. Charges, costs, stipulations use. 99% of loan requests are funded in 24 hours or less of loans terms being accepted (according to loans submitted in 2018) .

2. Establishment charge of $200 for loans from $2,000 to below $5,000 and $450 for loans from $5,000 to $50,000 . Fixed prices are priced between 6.99% p.a. to 24.69per cent p.a. on 36 to 60 thirty days terms, without any early payment charges.

Harmoney Limited (FSP373486), Harmoney Nominee Limited (FSP5904148) and Harmoney Services Limited (FSP593769) are certified to give you a peer to peer financing service under role 6 associated with Financial Markets Conduct Act, 2013. The conditions among these licences imposed by the Financial Markets Authority are posted on www.business.govt.nz/fsp.

Harmoney Limited, Harmoney Nominee Limited and Harmoney Services Limited are registered underneath the Financial Service services (Registration and Dispute Resolution) Act 2008.

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