Reviews collected under Lending Room - the team behind Payday Advance NZ.
Medical and Dental Loans NZMedical costs should not stop you from getting the treatment you need. We match you to the right lender from our panel of 20+ vetted NZ lenders. One application, one soft credit check, no impact on your credit score from our check.
One application reaches lenders across our panel. No credit score impact from our check. No obligation to proceed at any stage.
One soft check only
We run one soft credit check that does not affect your score. Once matched some lenders accept our check while others may run their own. We always tell you before we submit anything.
Rates from 8.99% p.a.
Significantly better than using a credit card or medical finance plan. Access competitive rates from specialist lenders and know exactly what your repayments will be from day one.
Same-day assessments
If you need funds urgently let our team know and we will prioritise your application. Same-day funding is possible for applications approved before 12pm on business days.
No quote required to apply
You do not need a formal quote before applying. An estimate of costs is enough to get started. Our team will work through the details with you when we call with your options.
20+ lenders on our panel
We match you to the lender most suited to your situation and loan purpose. One application reaches our full panel of vetted NZ lenders.
No obligation
Checking your options costs nothing and commits you to nothing. You see the full offer - rate, fees and repayments - before you decide. No pressure at any stage.
Medical loan vs credit card vs clinic finance
Credit card
20-28% p.a.
Revolving. No fixed end date.
Clinic finance
One provider
Limited options. High rates after promo.
Payday Advance NZ
From 8.99% p.a.
20+ lenders. Fixed term.
Estimate your repayments below. Actual rates and fees depend on your profile and the lender.
Calculator is a guide only. Actual rates, fees and repayments depend on your profile and lender. Rates from 8.99% to 29.95% p.a. (AIR). Broker fee of up to $1,500 applies on successful funding.
One short form. We handle the matching, the follow-up and the hard work - you focus on your health.
Takes about 5 minutes. Tell us the treatment you need, the estimated cost and your basic situation. A formal quote is not required - an estimate is enough to get started.
We run a soft credit check and match you to the lender on our panel most likely to get you the best deal across rate, terms and fees. No credit score impact from our check.
Our team contacts you with your approval. Once settled funds go to your account and you pay your provider directly. Same-day funding possible for urgent situations. No obligation at any stage.
We help employed New Zealanders with a good credit history access finance for medical and dental treatment. Most people who apply are surprised by what they can access through our panel.
You are employed or self-employed with regular income
Full-time, part-time and self-employed income with verifiable earnings may be accepted depending on the lender.
You are a NZ citizen, resident or eligible visa holder
Open and employer-specific work visas with at least 13 months remaining are accepted.
You have a clean or near-clean credit history
We work with borrowers who have a clean or near-clean credit record. Apply and our team will confirm what is possible for your situation.
You need between $3,000 and $250,000
Medical loan terms from 6 to 84 months. The exact amount available depends on your credit profile and the lender.
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
NZ bank account and mobile number
A formal quote is not required to apply. An estimate of your treatment cost is enough to get started.
Rated 5 out of 5 on Trustpilot
Common questions about financing medical and dental treatment through Payday Advance NZ.
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 standard credit check as part of their process. We will let you know before we submit anything.
In most cases yes. Medical loans can cover elective surgery, dental work, fertility treatment, mental health care, specialist consultations, cosmetic procedures and urgent medical costs. Tell us what the loan is for and we will match you to the most suitable lender for your situation.
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. The exact amount available depends on your credit profile and income.
Same-day funding is possible for applications approved before 12pm on business days. If you need funds urgently let our team know when you apply and we will prioritise your application. Most applicants hear back the same day they apply.
No. You can apply with an estimate of your treatment cost. Having a formal quote or invoice from your provider will speed up the assessment process but it is not required to get started. Our team will work through the details with you when we call.
Yes. Once the loan is approved and funds are deposited into your account you can use them to pay your clinic, hospital, specialist or any other treatment provider. There are no restrictions on which provider you use.
Yes. Open and employer-specific work visas with at least 13 months remaining are accepted provided you have a regular NZ-based income. Apply and our team will confirm which lenders on our panel can help with your specific situation.
A broker 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.
A medical loan in New Zealand is a personal loan used to cover the cost of medical or dental treatment - whether planned or urgent. Unlike many other loan purposes, medical loans often carry an element of time pressure. Waiting lists for public treatment can be long and private treatment costs can arise unexpectedly. A personal loan arranged through a broker like Payday Advance NZ allows you to access the care you need without delay, with one application and one soft credit check that does not affect your score.
Medical loans are unsecured personal loans - no asset is required as collateral. They are available to employed NZ borrowers with a clean or near-clean credit history, with loan amounts from $3,000 to $250,000 and terms from 6 to 84 months through our panel of 20+ vetted NZ lenders.
Dental treatment is one of the most common uses for a personal loan in NZ. Major dental work - implants, veneers, Invisalign, crowns, bridges and orthodontics - can run to thousands or tens of thousands of dollars and is typically not covered by health insurance. A dental loan through Payday Advance NZ allows you to spread the cost over a fixed term with a fixed monthly repayment and a clear end date.
A single dental implant in NZ typically costs between $4,000 and $7,000 including the crown. A full mouth restoration can run to $30,000 or more. A personal loan allows you to complete the full treatment plan without waiting to save up the full amount.
Invisalign treatment in NZ typically costs between $6,000 and $12,000 depending on the complexity of treatment. Traditional braces range from $5,000 to $9,000. A personal loan spreads the cost over a manageable term without disrupting your cash flow.
Porcelain veneers in NZ typically cost between $1,500 and $2,500 per tooth. A full set of veneers can cost $15,000 or more. Financing through a personal loan allows you to complete the full treatment in one go rather than spreading it over years.
Elective surgery in New Zealand - whether cosmetic, orthopaedic, ophthalmological or bariatric - can involve significant out-of-pocket costs even with health insurance. Public waiting lists for many elective procedures are long, making private treatment an attractive option for those who can access the funds.
Common elective procedures financed through personal loans in NZ include rhinoplasty, breast augmentation, eyelid surgery, bariatric surgery, knee and hip replacements, laser eye surgery and gastric sleeve procedures. Costs vary significantly by procedure and provider.
Using a personal loan at 8.99% to 29.95% p.a. is significantly more cost-effective than putting elective surgery on a credit card at 20% to 28% p.a. with no fixed end date. A personal loan gives you a fixed repayment, a fixed rate and a clear date when the debt will be gone.
Fertility treatment in New Zealand is partially funded by the government for eligible couples but many people require multiple cycles or treatments not covered by public funding. A single IVF cycle in NZ can cost between $8,000 and $15,000 privately. Multiple cycles, donor treatment and other assisted reproductive technologies can cost significantly more.
A personal loan allows you to finance fertility treatment without depleting savings or relying on credit cards. Fixed repayments and a fixed end date make it easier to plan financially while going through treatment. Our team understands the sensitivity of these applications and handles them with care.
A formal quote from your provider makes the application faster and ensures you borrow the right amount. An estimate is enough to get started but a confirmed quote will speed up the assessment and give you more certainty about the total cost.
It can be tempting to borrow a buffer above the treatment cost but every dollar borrowed accrues interest for the full term. Borrow the exact amount needed and use your savings as a buffer rather than borrowing it.
Before applying for a loan confirm what your health insurance will and will not cover for your specific procedure. Some insurers cover elective procedures with certain conditions. Knowing your out-of-pocket costs before you apply ensures you borrow the right amount.
Every direct application to a lender leaves a hard credit check on your file. Applying through Payday Advance NZ means one soft check that does not affect your score while reaching 20+ lenders on your behalf. This is particularly important when you are dealing with a health situation and want to minimise additional stress.
Consumer lending in New Zealand is regulated under the Credit Contracts and Consumer Finance Act (CCCFA) which requires lenders to assess affordability, disclose all fees clearly and treat borrowers responsibly. As a licensed financial services broker registered on the FSPR, Payday Advance NZ operates in full compliance with these regulations.
When you apply through our platform we assess your situation using a soft credit check that does not affect your score. We then match you to the lender on our panel most likely to approve your application at the best overall rate across rate, fees, term and fit for your situation. You receive one clear offer explained in full with no obligation to proceed.
Payday Advance NZ is operated by the same team behind Lending Room - one of New Zealand's most trusted loan brokers with over 1,030 five-star Trustpilot reviews. The same lender panel, the same service standards and the same commitment to finding you the best deal.
Apply in 5 minutes. One soft credit check. We compare 20+ NZ lenders and match you to the right one for your situation. Do not let the cost stop you from getting the care you need. No obligation at any stage.
