Medical and dental loanS

Name: Harmoney Australia
Address: 3 Spring Street, Sydney, NSW, 2000, Australia
Telephone: 1300 042 766
Price range: $2,000 to $70,000 loans

Start your makeover.

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 2022-03-21 lawrence thank you its all good australia

5.0 2022-03-18 adam Interest rate was higher than expected considering the advertised rate and I have a good credit rating and equity in my assets. but overall the process was quick and easy australia

5.0 2022-03-17 Billy Feeling good. australia

5.0 2022-03-17 Jamie Awesome service,amazing fast response highly recommend australia

5.0 2022-03-16 Peter good australia

5.0 2022-03-14 Toni To easy, too good australia

5.0 2022-03-10 Luciano Great and quick service, interest rates could be better but overall very good service australia

5.0 2022-03-10 Hon very good australia

5.0 2022-03-10 Kymbalee Awesome work australia

5.0 2022-03-07 Mahjabeen Good and immediate australia

5.0 2022-03-02 Jason This is an awesome company australia

5.0 2022-03-01 Kelly It's good australia

5.0 2022-02-27 Anonymous Customer Good australia

5.0 2022-02-25 Luke Awesome australia

5.0 2022-02-24 Luke Good Australia

5.0 2022-02-23 Bernard Quick and efficient. Awesome and best rates for repayments australia

5.0 2022-02-23 Herve It was awesome australia

5.0 2022-02-22 Trevor Awesome australia

5.0 2022-02-21 Chad Good service and quick response. australia

5.0 2022-02-21 Chaz So far, so good, so afir dealing with Harmoney australia

5.0 2022-02-21 Paul Very easy to deal with good people australia

5.0 2022-02-21 victor Its all good its very easy australia

5.0 2022-02-18 Eumal Very good Thanks australia

5.0 2022-02-16 Andy Good service ! australia

5.0 2022-02-14 Mark Good easy process australia

5.0 2022-02-12 Chris Awesome service australia

5.0 2022-02-11 Dean You guys are awesome australia

5.0 2022-02-11 Manahi Very good thank you for the excellent service australia

5.0 2022-02-10 Catherine Awesome company to deal with. australia

5.0 2022-02-09 Cyril Very good product. australia

5.0 2022-02-09 Janine I have had a good experience with Harmoney. The staff were knowledgeable and friendly. Applying on line was not complicated and user friendly. australia

5.0 2022-02-08 Ray Was a really painless and good experience. Not hassling and difficult. australia

5.0 2022-02-08 Daniel Everything is always awesome australia

5.0 2022-02-03 Claire I think these guys are awesome. Quick, easy, efficient. As a mum, with a full time job these processes can sometimes be overwhelming, but these guys have made sure it is so straight forward. Have had a nicer experience all round over some top name banks. NSW, australia

5.0 2022-02-02 Elizabeth Communication has been good. Process is quick. australia

5.0 2022-02-02 Mel Good and quick australia

5.0 2022-02-02 Toby U guys are awesome easy to use web sight I'll always choose harmony Nsw, australia

5.0 2022-02-01 TeArohanui Good response times australia

5.0 2022-02-01 Jayanthini, Excellent. Very good customer service australia

5.0 2022-01-31 Stephen Great to deal with,no hassle and quick with response and decision on loan outcome.So far So good. Victoria, australia

5.0 2022-01-30 Suardana Good, very helpfull with the inquiry & fast. australia

5.0 2022-01-28 Mark Very easy process, very good communication australia

5.0 2022-01-28 Grigore Any problems I had was quickly solved, helpline very good too. And fast approval. Even that I had a small problem, the application was easy to fill in. Congratulations. Thank you NSW, australia

5.0 2022-01-27 Stephen Really good thank you australia

5.0 2022-01-26 Nathan Awesome service, easy process and always approved even if not for the full amount requested. Always come back with some kind of offer. Harmoney is always my first choice when we need some extra money. australia

5.0 2022-01-24 Stuart Good service australia

5.0 2022-01-21 Scott Awesome australia

5.0 2022-01-20 Anonymous Customer Very good australia

5.0 2022-01-19 Sylvia I did not receive the interest rate that was advertised. I have a very good credit rating and I am a home owner australia

5.0 2022-01-19 Connor It’s really good and quick and easy australia

5.0 2022-01-16 Brad Good australia

5.0 2022-01-13 Aaron quick and easy, up front. good rates for someone in trouble and wants to change and get their life back. australia

5.0 2022-01-13 kevin So Far Dealing with Harmoney has been a good experience australia

5.0 2022-01-13 Bryan All good australia

5.0 2022-01-13 Clyde awesome australia

5.0 2022-01-11 Rita Easy straightforward and quick !’ Awesome australia

5.0 2022-01-10 Anthony Awesome experience. Thank you!! australia

5.0 2022-01-07 Mary Very good never have any problems with harmony they are great.. WA, Australia

5.0 2022-01-04 Bernie Awesome top notch australia

5.0 2022-01-03 Matthew Awesome and excellent service australia

5.0 2021-12-30 Stuart Fast and good australia

5.0 2021-12-28 Michael Good australia

5.0 2021-12-28 Seth Very easy to use. Customer service is awesome. Super friendly and helpful. australia

5.0 2021-12-28 Toni Very good and fast australia

5.0 2021-12-23 Robert Very easy and quick
Very good communication australia

5.0 2021-12-22 Herbert Good responsiveness and professionalism. australia

5.0 2021-12-22 Adrian Good australia

5.0 2021-12-22 Chris Awesome team Enquiries answered quickly australia

5.0 2021-12-20 Daniel Very good quick and easy australia

5.0 2021-12-20 Maricel Awesome great help thank u :) australia

5.0 2021-12-17 John Easy bloody awesome to follow australia

5.0 2021-12-15 Ceyda Good australia

5.0 2021-12-11 MAYEN VERY GOOD SERVICE australia

5.0 2021-12-10 Robee Been really good and very helpful customer service and very informative . Thanks australia

5.0 2021-12-09 Scott Very good service australia

5.0 2021-12-09 Sulu Quick and good service. australia

5.0 2021-12-05 Anonymous Customer Applied for a loan to consolidate got approved very quickly . Good service australia

5.0 2021-12-05 Rory Quick and easy with good communication australia

5.0 2021-11-25 Christine Very good australia

5.0 2021-11-24 Ted Fast easy and good communication australia

5.0 2021-11-23 Jason Good service australia

5.0 2021-11-18 Bilal Good customer service and very helpful australia

5.0 2021-11-18 Racquel Have a very good experience thank you australia

5.0 2021-11-18 Ben Good australia

5.0 2021-11-15 Jenny awesome and easy to use online platform australia

5.0 2021-11-12 Matthew Very good australia

5.0 2021-11-11 robert straight forward dealing with this company very good experience so far australia

5.0 2021-11-10 Stu Awesome communication, quick and easy. australia

5.0 2021-10-29 Umuti Really good customer service. australia

5.0 2021-10-29 Christopher Awesome process australia

5.0 2021-10-27 Scott Couple of clunky parts of the application process but all in all pretty good. australia

5.0 2021-10-27 Dianne Applying for my loan for urgent medical purposes was extremely easy australia

5.0 2021-10-26 anton awesome servce 100% australia

5.0 2021-10-23 Glen Awesome service very quick Simple to use australia

5.0 2021-10-21 Anonymous Customer good australia

5.0 2021-10-09 Manuel Hi it was very good service and quick to get a loan from harmony australia

5.0 2021-10-06 Nicandro This was an awesome experience, the credit check was easy and very well calculated. It was good to see my accounts were accessible for ease of wages verification. australia

5.0 2021-10-01 Mark Good service australia

5.0 2021-09-30 ANDREW awesome simple helpful Thankyou australia

5.0 2021-09-30 Anonymous Customer Good Customer service, and easy to use web platform 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 - $70K

Loan limits

3, 5 or 7 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.