Loans for medical expenses

Loans for medical expenses

Loans for medical expenses

Whether it’s unexpected surgery, dentistry, IVF, or other medical expenses, a loan funded by Harmoney’s investors could help you focus on the important things. 

100% online. No obligation to proceed.

Excellent service and quick and I recommend them to anyone. Thank you so much to the staff at Harmoney.

Martin W, NSW. Aug 24, 2017
Shopper Approved


Quick Estimate

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*Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 28.69% p.a. and are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved and submit your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Establishment fee of $500 applies. Some charges may apply — see Rates and Fees for details.

WARNING: This comparison rate applies only to the example or examples given and may not include all fees and charges. Different amounts and terms will result in different comparison rates. Costs, fees, government charges like stamp duty and cost savings are not included in the comparison rate but may influence the cost of the loan.

Why get your medical expenses loan through Harmoney?


100% online application.

Apply online whenever it works for you. Our revolutionary marketplace keeps it painless – 95% of loans are funded within 24 hours.


Personalised rates.

Rates from 6.99% p.a. to 28.69% p.a. (Comparison Rate 7.69% p.a. to 29.55% p.a.)*
One size doesn’t fit all. We assess each application individually, and set your rate based on your personal circumstances.


Borrow $5K to $70K, unsecured on 36 or 60 month terms.

Don’t put your house or car on the line. All loans through our peer-to-peer marketplace are unsecured – no ball and chain.

Online medical loans

With rates from 6.99% to 28.69% p.a.* (7.69% to 29.55% p.a. comparison rate)*, a loan through Harmoney could help take the financial pressure out of an already stressful time. Use our 100% online application process to find out how much you could be eligible to borrow, and what your personalised interest rate would be. Looking to pay off your loan early, or come by a windfall? Easy. With Harmoney, there’s no early repayment penalties, so you get the flexibility to pay off early. See our full schedule of fees.

Learn more about Harmoney

Harmoney is Australia’s newest marketplace lending platform that connects people who want to borrow money with those who wish to lend money. Our Marketplace provides a simple way to get a personal loan, online.

Personal Loans with Harmoney - New Zealand from Harmoney on YouTube.

Medical Expenses Loan FAQs

Why should I apply for a medical expenses loan?

Harmoney’s loans can give you that cash boost at a time when money should be the least of your worries. Whether you want to pay surgical bills, see a specialist or try IVF, your costs could be covered by a medical expenses loan funded by the Investors on our peer-to-peer marketplace.

Can I use a medical expenses loan to pay for elective surgery?

After taking out a medical expenses loan through Harmoney, you’ll be able to spend it on almost any health-related expenses.

Medical expenses loans can be used to help cover the costs of many elective surgeries. If you’re sick of wearing glasses, it could pay for LASIK eye surgery. If you’re unhappy with a certain part of your body, you could use the money for cosmetic treatments. If your teeth need some work, it could cover extensive dental work.

Elective surgery can make a huge difference to your confidence and your life, but the public system can leave you waiting for months (or even longer), and while going private is usually faster, medical insurance doesn’t always cover the full cost. With a medical loan through Harmoney’s marketplace, you could take the stress out of funding the care you (or your loved ones) need, and get the benefits of the treatment much sooner.

What is marketplace lending?

Marketplace lending is a revolutionary new way of getting (and funding) personal loans. Our Marketplace connects Borrowers looking for loans with Investors willing to fund them. It’s changing the world of finance with its super efficient and effective model, opening a public market that was previously kept privately within banks and finance companies. Borrowers list their loans on the marketplace, telling Investors what they’d like to do with the money, while Investors get to browse and decide who they want to lend money to, and what percentage of the loan they’re willing to fund. Because our revolutionary system has a low operating cost, many Borrowers are able to get better rates than they would on a credit card or through another supplier, and Investors have the opportunity get better returns that they would on a term deposit, or in shares. Plus, it’s quick: 95% of all loan requests are fully funded within 24 hours of appearing on the Marketplace.

Read more about marketplace lending.

What is Harmoney?

Harmoney is Australasia’s largest and fastest growing licensed peer-to-peer lending marketplace. We became New Zealand’s first licensed P2P marketplace when we launched in 2014, and since then we’ve connected thousands of Kiwi Borrowers and Investors. Like all good Kiwi inventions, it was only natural that we’d cross the ditch and call Australia home before long. We’re revolutionising the Australian finance industry, connecting Australians who want to borrow money with Investors who’d like to lend it to them.

Learn more about Harmoney on YouTube, or read more about our team and company story.

Still have questions?

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*The Legal Stuff

Comparison rate is based on an unsecured personal loan of $30,000 over 5 years. WARNING: The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs, fees, government charges like stamp duty, and cost savings are not included in the comparison rate but may influence the cost of the loan. Subject to approval. Credit criteria, fees, charges, terms and conditions apply. Harmoney’s interest rates are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. To apply for a personal loan through Harmoney, you must be an Australian citizen or permanent resident or a New Zealand citizen aged 18 years or older with a valid Australian driver licence or valid Australian or New Zealand passport or an overseas passport with a valid visa. You must have an acceptable credit record, as determined by Harmoney at its discretion.