What is a medical loan?
A medical loan is a personal loan designed to cover healthcare costs, whether planned or unexpected. If you’re facing an operation, dental work, or another medical procedure, a medical loan could help you cover it.
At Armstrong's Finance, we're not tied to a single lender. As a licensed financial advice provider, we compare rates and terms across a panel of 18+ NZ lenders to find an option that suits your situation. That means more choice and a better chance of finding something that works for you.
What can you use a medical loan for?
A medical loan can cover the cost of almost any treatment, planned or unexpected. It could be dental implants or braces, cosmetic surgery or laser eye surgery, or any number of other treatments.
A medical loan can help cover:
Why choose Armstrong's Finance for your medical loan?
Instead of approaching lenders one by one, you make a single application and we compare medical finance across a panel of 18+ NZ lenders. There are no restrictions on the type of treatment, pricing is set out upfront with no hidden fees, and approved funds can be in your account the same day, subject to lender criteria.
Flexible loan options
Our medical loans are available as both secured and unsecured, so we can find the right fit for your situation. We'll walk you through the options before you commit.
Borrow what you need
Choose the loan amount and repayment term that suits your situation. No one-size-fits-all here.
Transparent pricing
No hidden fees, no nasty surprises. We lay everything out upfront so you always know where you stand. Full fee schedule available on our Fees & Interest Rates page.
Fast approval
Apply online in minutes. If approved, funds can be in your account the same day. Subject to responsible lending criteria and lender assessment.
Simple by design
How it works
Getting medical finance takes four steps. Get a quick quote online for an indicative estimate of your repayments, submit your application with proof of income and ID, and then we compare options across our lender panel. Once approved, the funds will be deposited into your account so you can pay your provider and get on with your treatment.
Get a quick quote
Use our online quote tool to see estimated repayments in minutes. It's obligation-free and won't affect your credit score.
Submit your application
Once you're happy with your quote, complete your application online. We'll ask for a few supporting documents, things like proof of income and ID. Our team will keep it as straightforward as possible.
We go to work for you
As your broker, we submit your application across our lender panel to find the most suitable match for your situation. Subject to responsible lending criteria and lender assessment, funds can be in your account the same day if approved.
Get the care you need
With funds in place, you're free to book your procedure, pay your provider, and focus on what matters: your health and recovery.
What affects your medical loan repayments?
A few things shape your rate and repayments: the loan amount and term, whether the loan is secured or unsecured, and your credit history.
Because we compare options across a panel of 20+ NZ lenders, we work to match you with a rate that suits your situation.
Am I eligible?
Armstrong's Finance medical loans are available to a wide range of New Zealanders. We assess every application individually, so even if you've been turned down elsewhere, it's worth talking to us.
To be eligible for a medical loan, you'll need to:
Frequently asked questions
Medical Loans
7 FAQsquestions
Medical Loans
7 FAQsquestions-
Can I use a medical loan for cosmetic procedures?
Absolutely. You can use a medical loan for a wide range of cosmetic procedures, including dental work, laser eye surgery, breast augmentation, and more. If you have a specific treatment in mind, let us know and we’ll help you find a loan that fits your needs.
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What is a medical Loan?
A medical loan is a type of personal loan that helps you pay for healthcare costs. You can use it for anything from planned treatments to unexpected medical bills. Because it's unsecured, you won't need to use your home or car as security.
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What can I use for a medical loan?
Absolutely. You can use a medical loan for all sorts of healthcare needs, including:
- Medical procedures or elective surgery
- Dental treatments, such as implants or braces
- IVF or other fertility treatments
- Mental health support or therapy sessions
- Physio or rehabilitation programs
- Ongoing medical care or prescriptions -
Can I use a personal loan for nose surgery?
Absolutely. You can use a personal loan to cover nose surgery, including the procedure itself and any related costs.
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Can I get a loan if I'm considering nose surgery for cosmetic purposes?
Yes. You can use your loan to cover the cost of nose surgery or other cosmetic procedures.
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Can I use a personal loan to cover gastric sleeve surgery?
Yes. You can use a personal loan to cover gastric sleeve surgery, including the procedure itself, hospital fees, follow-up care, and any other related costs.
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Can I use a personal loan to cover the cost of dental surgeries?
Absolutely. You can use a personal loan to cover dental surgeries, whether it's for implants, orthodontics, wisdom tooth removal, or any other dental procedure, cosmetic, restorative, or medically necessary.
Ready when you are
Apply in minutes. Know your options today.
No obligation. Just a clear picture of what's available to you.
No obligation. Just a clear picture of what's available to you.
Loan Information
Armstrong's Finance Limited (FSP1012153) is registered on the Financial Service Providers Register (FSPR) and holds a Class 2 Financial Advice Provider licence and is authorised to provide regulated financial advice services in accordance with the Financial Markets Conduct Act 2013. Armstrong's Finance Limited acts as a finance broker and does not directly provide credit. All lending is provided by third-party lenders on our lender panel.
Remuneration: Armstrong's Finance Limited is remunerated by way of commission paid by lenders. The amount of commission varies between lenders and products. Armstrong's Finance Limited may receive different commission rates from different lenders. We manage this conflict by recommending products based on your individual needs and circumstances rather than the level of commission received. Full details are set out in our Disclosure Statement, which is available on our website and on request free of charge.
Lending criteria apply. All applications are subject to credit assessment, responsible lending inquiries, and individual lender eligibility criteria in accordance with the Credit Contracts and Consumer Finance Act 2003 (CCCFA) and the Responsible Lending Code (revised July 2024). Interest rates range from 7.95% p.a. to 29.95% p.a. Rates are variable unless otherwise stated, are subject to change, and are based on individual credit assessment. Establishment fees vary between $0.00 and $2,500 depending on the type of loan arrangement, and are included in your loan structure and repayments.
Dispute resolution: If you have a complaint that we are unable to resolve, you may refer it to Financial Services Complaints Ltd (FSCL), our approved dispute resolution scheme. This service is free of charge. Contact details are available in our Disclosure Statement and on our Complaints page.
Financial hardship: If you are experiencing financial hardship, you may be entitled to apply for a hardship variation under the CCCFA. Please contact us as soon as possible. See our Financial Hardship page for more information.
Your personal information is collected and held in accordance with the Privacy Act 2020. Please refer to our Privacy Policy for details of how we collect, use, and store your information.