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Personal loans Medical loans

Medical loanS

Money when you need it most

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

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Take the stress out of paying your dental bills

Get help covering all or part of your treatment cost

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

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

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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

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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

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.

Common medical loan questions

View more
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

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100% ONLINE – 24/7

Our online application process can be completed in minutes.

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

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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.

We’re here to help

Apply for a dental expenses loan online and get the care you need.

Make it happen today

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We're real people and here if you need us

If you need help, just give us a call on 1300 042 766 or jump on to online chat and one of our more than 30 specialists will be there to lend a hand.

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