23. November 2020

Exactly what can I prefer a medical loan for?

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

Medical loans from Harmoney aren’t linked with a health that is specific or medical care provider, so you can borrow cash for the dental loan, plastic surgery loan or just about any other function.

May I combine my health insurance to my loan?

When you can make use of your medical insurance to pay for several of your medical costs, that may mean you don’t need certainly to borrow just as much on a loan, which could make payment easier. Consult with your wellness fund provider if you’re perhaps maybe not sure what’s covered.

Do i must make use of a particular wellness provider?

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

Could I increase an current loan?

In the event that you require more income, you could be in a position to top up an existing Harmoney loan (in the event that you’ve been making repayments for half a year currently) or perhaps you might look at a refinancing choice such as for instance debt consolidation reduction.

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

What goes on if we you will find changes to my economic circumstances?

If you’re finding it challenging to keep up along with your repayments as planned, as a result of infection, lack of work or any other circumstances, speak with us. You can find choices and you also may be eligible for a unexpected difficulty. The thing that is key to have in touch early therefore we can perhaps work through it together.

Don’t let cash concerns enhance your dilemmas

By having a medical expenses loan addressing costs, it is possible to pay attention to 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 specific interest rate determined using your individual credit evaluation.

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Apply on line at any time and be achieved in just a few moments.

About medical loans

Whether it’s ongoing treatment, rehabilitation, an urgent damage or perhaps a long-planned procedure, a medical expenses loan can relieve the monetary burden of the therapy and allow you to concentrate on your data recovery.

Before you apply, it is essential to comprehend the many features of a medical costs loan and exactly how they will certainly impact you.

Unsecured medical loan

An unsecured loan does perhaps perhaps not require a secured asset, such as for instance property or a car, 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 personal loans frequently have reduced rates of interest than quick unsecured loans, nonetheless they carry an increased danger. A secured loan requires an asset become provided up as security, such as for example a computer or jewellery. If you should be struggling to result in the repayments for a loan that is secured assets are repossessed and offered to pay for the price of your loan.

We usually do not provide secured finance at Harmoney.

Health re payment plans

Healthcare re payment plans can be found by many people health providers instead of upfront payment of medical bills. They include payments made at regular periods through to the financial obligation is settled. Where these loans vary from individual medical loans is they just cover medical bills, the mortgage can’t be utilized to pay for other expenses such as for instance gear, or everyday costs if you’re forced to devote some time off work.

Specialised medical loan

Healthcare, dental and cosmetic procedures will often carry their particular specialised loans; nonetheless, they often times have actually ugly terms such as for instance high rates of interest, long loan terms in addition to requirement of assets as protection.

Fixed and variable prices

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

A interest that is variable increases and falls centered on market values, meaning your repayments could vary significantly from every month. A fixed price continues to be the exact same through the term for the loan, meaning your repayments will always be exactly the same on a monthly basis.

Harmoney medical loans constantly have a set interest and that means you know very well what you’ll be spending from beginning to end.

We’re right here to simply help

Apply on line for a expenses that are medical to get back again to concentrating on your data data recovery.

Forms of unsecured loans

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Sets from the cake into the motor automobiles could be covered with a Harmoney wedding loan.


Make an application for a loan that is medical cover your medical costs from dental surgery to physiotherapy, surgery treatment to medical center bills, long lasting therapy is, Harmoney might help.

We are genuine individuals and right right here if you want us

If you want assistance, simply call us on 0800 427 666 or hop on to reside talk and something of your a lot more than 30 professionals are going to be here to help.

Conditions and terms

1. Susceptible to funding and approval. Harmoney’s interest levels vary from 6.99% p.a. to 24.69per cent p.a. consequently they are provided in line with the borrower’s that are individual assessment relating to Harmoney’s credit scorecard. To be approved and list your loan you have to fulfill Harmoney’s credit requirements and responsible financing demands. Costs, fees, stipulations use. 99% of applications are funded within twenty four hours 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 normally taken for 6.99% p.a. to 24.69per cent p.a. on 36 to 60 thirty days terms, without any very early payment penalties.

Harmoney Limited (FSP373486), Harmoney Nominee Limited (FSP5904148) and Harmoney Services Limited (FSP593769) are certified to offer a peer to peer financing service under role 6 associated with the Financial Markets Conduct Act, 2013. The conditions of the 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 beneath the Financial Service services (Registration and Dispute Resolution) Act 2008.