Medical and Dental Loans NZ
Health first. Paperwork second.
Root canals, wisdom teeth, grommets, a specialist the public list will not reach this year. A fixed loan so treatment happens when it should.
Why people finance treatment
Dental and private treatment in NZ can run to five figures, and pain does not wait for payday. A fixed loan turns one unaffordable bill into a repayment that fits.
- ✓Treatment now, repayments spread over the term
- ✓A fixed rate and a finish date
- ✓Works for quotes from any clinic or practice
- ✓The whole cost shown before you book1
Your offer, in full
Example1- Borrowed
- $20,000
- Establishment fee
- $240
- Rate, fixed
- 12.50% p.a.
- Term
- 4 years
- Fortnightly repayment
- $248
- Interest and fees
- $5,792
- Total payable
- $25,792
Example only, 14 October 2026. Your rate and fees depend on your credit file and the lender's offer.1
How a loan with BorrowClub works
Apply once, online
About ten minutes, one question at a time. We only ask for what a lender needs to price you properly.
Compare real offers
Rate, fees, repayment and total payable, side by side, with your adviser on the phone if you want them.
Pick, sign, get paid out
Your lender pays the money out directly, usually to your bank account.
Learn before you borrow
All guidesQuestions? We've got answers
Can I borrow for a family member's treatment?
Yes. The loan is yours, so it is priced on your income and credit file, and what you spend it on is up to you. For bigger amounts, applying with a co-borrower can improve what the panel offers.
What about insurance or ACC?
Check those first, genuinely. If ACC or your health insurance covers part of the treatment, borrow only the gap. Your adviser will not talk you into borrowing a dollar more than the quote in front of you.
Will checking my rate affect my credit score?
No. Checking your rate with BorrowClub does not affect your credit score.2 A hard enquiry only happens if you choose an offer and ask the lender to proceed.
Visit the guides library for the longer answers.