Medical loanS

Name: Harmoney Australia
Address: 3 Spring Street, Sydney, NSW, 2000, Australia
Telephone: 1300 042 766
Price range: $2,000 to $50,000 loans

Money when you need it most

Personalised rates from 5.35%¹
(comparison rate 6.14%)²

Take the stress out of paying your dental bills

Get help covering all or part of your treatment cost

NO DELAYS

If your dental expenses loan is approved and you agree to the terms, your loan should be fully funded within 24 hours.

NO HIDDEN COSTS

After you’ve paid your initial establishment fee, there are no extra charges on your loan when you keep up with your repayments.

LOWER RISK

Our dental expenses loans are unsecured. That means we don’t need you to secure your loan with an asset as collateral.

What our customers say

5.0 2021-06-15 Abbey Its been good! Australia

5.0 2021-06-15 Temukisa Awesome service Australia

5.0 2021-06-14 Kai Very good Australia

5.0 2021-06-14 Jasmine Anne Wilson Good Australia

5.0 2021-06-13 Dean Incredible assistance friendly team good people Australia

5.0 2021-06-11 Jane Janev Good service Australia

5.0 2021-06-10 Anonymous Customer Good quick experience Australia

5.0 2021-06-10 Darren Very good Australia

5.0 2021-06-10 Dianne Quevauvilliers A really good service Australia

5.0 2021-06-07 Anonymous Customer Good Australia

5.0 2021-06-07 Geoff h such a quick and simple process. Do this it's so good. Australia

5.0 2021-06-07 Raymond McGowan The process is painless and the communication with the folks at Harminy has been good. Reviews of financial information was quickly done. Thank you. Australia

5.0 2021-06-03 Lia Vatubua Simple process and very good customer service. Australia

5.0 2021-06-02 Rolando Jaca It was a good experienced. Highly Recommended. Thank heaps.... Australia

5.0 2021-05-27 Eloise Very good . I’m so happy with this company. Australia

5.0 2021-05-26 Joshua Kaan Second time around with Harmoney and I have to say the service and experience is very good. Thank you Australia

5.0 2021-05-20 Anthony Christie Very good. Australia

5.0 2021-05-14 Jason scott priestley Very easy to use good rates Australia

5.0 2021-05-13 Maddison Hallett Good and quick communication. Thorough documentation Australia

5.0 2021-05-12 Micheal The bank account link page froze multiple times. All good apart from that. Australia

5.0 2021-05-10 Ni Putu Putri Dewi Astari I found Harmony was very efficient with the way they handled my new loan very good thanks Australia

5.0 2021-05-01 Anonymous Customer Very good communication. Very friendly customer service. Australia

5.0 2021-04-27 Victor Domingo Quijada Guarena good use of the technology Australia

5.0 2021-04-25 Matt Good Australia

5.0 2021-04-24 Aung Bo Bo Very good application Australia

5.0 2021-04-22 Adam Zampatti Awesome Australia

5.0 2021-04-22 Jawad Unbelievably fast and hassle free process ... good job! Australia

5.0 2021-04-21 Anonymous Customer Good expe Australia

5.0 2021-04-21 Kristin Good Australia

5.0 2021-04-20 Kirrily Very good and easy Australia

5.0 2021-04-03 Sudarshan Easy system, good rate Australia

5.0 2021-03-31 Jared Awesome experience very easy application Australia

5.0 2021-03-24 Anonymous Customer Harmoney was awesome Australia

5.0 2021-03-24 Asher Good Support.... The Page where you select your loan amount after being told your borrowing power wasn't clear to me. Australia

5.0 2021-03-19 Anonymous Customer Was awesome. Thankyou Australia

5.0 2021-03-16 Hendrik Good Australia

5.0 2021-03-16 herry so far so good. All process are seamless and less hassle. Hopefully all goes well until I finish my loan. Australia

5.0 2021-03-15 Anonymous Customer awesome Australia

5.0 2021-03-12 Anonymous So far so good, easy and efficient process. All online and fast responses. Australia

5.0 2021-03-12 Jacob So good thanks for all your help Australia

5.0 2021-03-03 Brodie Very good Australia

5.0 2021-02-22 Josip All good thanks Australia

5.0 2021-02-20 jeremy very good Australia

5.0 2021-02-17 Melanie I got a great rate so quickly. I am finally feeling that my good credit score is working for me!! Australia

5.0 2021-02-12 Melanie Very easy form all the way to approval was an awesome experience and saved me a big headache with regards to paying back debt. Australia

5.0 2021-02-11 Christopher Absolutely fantastic. Great communication by the team. They had a genuine look into accounts and made sure things were good to go. Australia

5.0 2021-02-10 Samuel Good Australia

5.0 2021-02-09 Asif Awesome service, very professional and lightening fast approval , provided u satisfy their requirements, can’t recommend enough to other clients !! Australia

5.0 2021-02-08 Chris Easy application process and good communication. Definitely recommend. :) Australia

5.0 2021-02-03 Davy Very good and quic Australia

5.0 2021-01-27 Desiree Unbelievably good service, very satisfied. Australia

5.0 2021-01-27 Rachel AWESOME! Australia

5.0 2021-01-25 Steven Good so far Australia

5.0 2021-01-12 Fahad Awesome Australia

5.0 2021-01-12 Lachlan Great website and really fast. Nothing is hidden. Only down side is the high interest rates. All in all a good service. Australia

5.0 2021-01-12 Perry so far so good Australia

5.0 2020-12-11 Peter Awesome service
Better that the main banks Australia

5.0 2020-12-10 Michael Thankyou good experience Australia

5.0 2020-12-08 Debbi Good Australia

5.0 2020-11-27 Marion Awesome experience. So quick and within 24 hrs I had my money Australia

5.0 2020-11-18 Dion Very good timing excellent ,only problem is my interest rate to high maybe we can improve my rating to get a better deal next time thankyou Australia

5.0 2020-11-16 Leah Awesome experience Australia

5.0 2020-11-10 Maria The whole experience so far has been really easy. I contacted the office and spoke to a customer service officer (Mia) who was very helpful. So professional and helpful. I am super happy to get this help. These are difficult time and this process has been just awesome. Thank you Australia

5.0 2020-11-06 Michael It has been a good experience. Thanks Australia

5.0 2020-11-02 Barend Awesome!! Quick, easy and understandable with less hassle. Australia

5.0 2020-10-27 Shoena Easy, quick, good rate for my situation. Australia

5.0 2020-10-23 Craig Very good ☺️ Australia

5.0 2020-10-17 Gav Easy transaction
Easy website to use, very accomodating.
No stress
I've been with Harmoney for 6 mths and the experience has been awesome. I just topped, and again the experience was awesome Australia

5.0 2020-10-16 Anonymous Customer Just an awesome company and so very easy Australia

5.0 2020-10-07 stephen Just awesome to deal with thank you so much Australia

5.0 2020-09-29 Alemayehu so far so good Australia

5.0 2020-09-21 Steven Easy to apply and good communication from Harmoney. Australia

5.0 2020-09-17 Tracey Good service Australia

5.0 2020-09-09 CHERIE Awesome so quik Australia

5.0 2020-08-20 Anonymous Customer Exceptional good and fast service Australia

5.0 2020-08-11 Darashan Very good customer service. Australia

5.0 2020-08-11 Robert No Problems overall good. Australia

5.0 2020-08-05 Marc Awesome service- super efficient and intuitive experience. Excellent! Australia

5.0 2020-07-30 Anonymous Customer Awesome service such easy process everyone happy to help out Australia

5.0 2020-07-21 Kelli So easy and so good to use Australia

5.0 2020-07-16 Anthony Good service Australia

5.0 2020-07-09 Colleen Mia was awesome, helped me through the application process and checked everything as we went. The application process online is straight forward and the communication by sms, email and voice is outstanding. Australia

5.0 2020-06-29 andrea I was helped by Mia over the online chat function, and while admittedly I was a bit difficult (I don't math very well) she was awesome and patient and overall provided wonderful customer service. Australia

5.0 2020-06-16 Jason Good service
Fast and affordable Australia

5.0 2020-06-10 Anonymous Customer awesome Australia

5.0 2020-05-30 Mohammed Very good Australia

5.0 2020-04-29 Lucas I've had a good experience with the loan process, especially customer service in general. Ben was very helpful in every step of the application, not forgetting his patience and professionalism. Thank you. Australia

5.0 2020-03-23 Anonymous Customer Good service with fast turn around times Australia

5.0 2020-03-20 Anonymous Customer Good Australia

5.0 2020-03-10 Steve Very good service and information Australia

5.0 2020-03-09 Deborah User friendly good information Australia

5.0 2020-03-06 Anonymous Customer So far so good. Australia

5.0 2020-03-05 Nicole Very good Australia

5.0 2020-03-03 Ayu Really good service and very quick Australia

5.0 2020-02-23 Neville You are an awesome group to deal with for loans. Also great after sales service, if needed. Qld, Australia

5.0 2020-02-22 Ernest Good fast and exact Qld, Australia

5.0 2020-02-17 Antony very good thankyou Australia

5.0 2020-02-11 James Very easy to understand and good rates Australia

5.0 2020-02-07 Joseph It's very easy and quick and a very good interest rate Australia

5.0 2020-02-06 Anonymous Customer Good Australia

4.8/5

4.7 overall rating

4.8 overall rating

Simple, 100% online

Step 1. Get to know you

Tell us how much you need for dental work and provide the documents we need through our online platform..

Step 2. Get your loan terms

You’ll receive a quote for your dental expenses loan that includes all the details.

Step 3. Get your money

Send some final details after accepting the quote and your money will normally arrive within 24 hours.

What we offer

$2K - $50K

Loan limits

3 or 5 years

Loan terms

$275 or $575

Establishment fee

$0

Early repayment fee

All loans are unsecured
Rates from 5.35%¹ (comparison rate 6.14%²)
Your rate is fixed for the life of the loan
Establishment fee of $275 for loans under $5,000 ³
Establishment fee of $575 for loans $5,000and over ³
No monthly account keeping or early repayment fees
You can repay weekly, fortnightly or monthly

Find out more about our rates and fees

Quick dental loan estimate

Try our loan calculator for an idea of the interest and repayments you could pay for your dental bills.

Personal loan calculator

Common medical loan questions

Can anyone apply for a medical expenses loan?

To be eligible to apply for a medical loan in Australia, you should:

Be aged 18 or older
Be an Australian citizen or Permanent Resident or a New Zealand citizen
Show proof of full-time or permanent part-time employment
Show proof of identity, such as a passport or Australian driver’s licence
Have a clear credit file without any defaults, judgments or bankruptcies
Need to borrow at least $2,000 with your loan

To be eligible to apply for a medical loan in New Zealand, you should:

Be aged 18 or older
Be a New Zealand citizen or Permanent Resident
Have a stable income

The conditions for medical expenses loans on Harmoney are the same as for most of our personal loans. We’ll tell you what documents you need to provide during your simple online application.

What can I use a medical loan for?

A medical expenses loan can help to cover your medical bills as well as other costs related to your treatment and recovery, from medication to travel, or living costs if you’re taking time off work.

Medical loans from Harmoney aren’t tied to a specific health issue or health care provider, so you can borrow money for a dental loan, cosmetic surgery loan or any other purpose.

Can I combine my loan with my health insurance?

If you can use your health insurance to pay some of your medical expenses, that could mean you don’t need to borrow as much on a loan, which will make repayment easier. Check with your health fund provider if you’re not sure what’s covered.

Do I need to use a certain health provider?

No, Harmoney medical loans are not tied to any specific medical provider or insurer. You’re free to use any private or public health service you choose, just let us know your plans when you apply for your loan.

Can I increase an existing loan?

If you need more money, you might be able to top up an existing Harmoney loan (if you’ve been making repayments for 6 months already) or you might consider a refinancing option such as debt consolidation.

Read our Top Up guide to find out if you’re eligible.

What happens if I there are changes to my financial circumstances?

If you’re finding it challenging to keep up with your repayments as planned, due to illness, loss of employment or other circumstances, talk to us. There are options and you may qualify for unforeseen hardship. The key thing is to get in touch early so we can work through it together.

Affordable dental expenses loans

Money shouldn’t be a barrier to getting the care you need

100% ONLINE – 24/7

Our online application process can be completed in minutes.

NO EARLY REPAYMENT PENALTY

If you’re able to pay back your medical loan early, there are no extra fees.

PERSONALISED RATE

Your individual interest rate is worked out based on your credit assessment.

About dental expenses loans

If you damage or lose a tooth, your gums are infected or you have another dental emergency, delaying treatment because you can’t afford it can risk making problems worse. A dental expenses loan provides help when you need it.

What is a dental expenses loan?

A dental loan is a type of personal loan that can be taken out to cover dental expenses. This includes the cost of dental services themselves and other related costs such as sedation, hospital stays and medication.

How does it work?

You can apply for a dental expenses loan before you pay your dentist so you won’t be out of pocket. You can ask your dentist for an estimate of how much your treatment will cost so you know how much you need to borrow. You should also check your health insurance or other finance options to see if any of your dental costs will already be covered.You can apply for a dental expenses loan online through Harmoney. We’ll ask for details about what you intend to use the loan for and ask you to provide proof of your identity and finances so we can calculate your personal interest rate and repayments. If you accept your loan offer, we’ll send your money to your bank account and you should have it within 24 hours.

Secured and unsecured dental loans

Dental loans may be secured or unsecured. A secured loan requires that you nominate an asset (such as a house, car or other valuable belongings) that may be forfeited if you fail to pay back your loan. An unsecured loan isn’t protected by an asset, but may have a higher interest rate as a result.All personal loans on Harmoney are unsecured, including dental expenses loans.

Fixed and variable rates

Interest rates on a loan may be fixed or variable. A fixed rate remains the same through the duration of the loan, unless it’s refinanced. A variable interest rate can change each month based on the performance of the market.

A fixed rate loan offers more financial security, as you can budget for how much you need to pay each month. All Harmoney loans have a fixed interest rate.

Other dental finance options

Some dental clinics work with third-party finance providers to let you pay for dental work in instalments. These often have an interest-free period that can be tempting, but they usually involve more fees than a dental loan and there may be higher penalties if you don’t make your repayments.

Dental payment plans

A dental expenses loan may not be the best option for everyone. Researching the other types of finance available to you will help you to make an informed decision about how to cover your dental costs.

Private health insurance

If your health insurance includes general dental cover, you may be covered for some or all of the cost of general dental treatments such as check-ups, fillings, extractions and crowns. More complex treatments and cosmetic procedures are not covered by standard health insurance, but may be included on a higher level of cover.If you want to use your health insurance to cover part of your dental fees, a dental loan can make up the rest.