Sometimes a Medical loan is the financial band-aid you need.
Dental / Medical
Personal Loans: Dental / Medical Loan
Let a personal loan for medical expenses cover the bills while you focus on getting well.
Whether it's for dental work, surgery, specialist treatments, or unexpected medical costs, a Future Finance personal loan for medical expenses ensures you get the care you need without delay.
Don't postpone important health treatments due to cost. Our medical loans help you access quality healthcare now while spreading payments over time to suit your budget.
Types of Medical Procedures and Expenses Personal Loans Can Cover
Our personal loans for medical expenses cover a comprehensive range of healthcare needs. Dental treatments from basic care to major work like implants, crowns, and orthodontics are our most common requests. Elective surgeries including vision correction, cosmetic procedures, and weight loss surgery help improve quality of life.
We also fund specialist consultations, diagnostic tests, and ongoing treatments not fully covered by insurance. Many Kiwis use medical loans for fertility treatments, mental health support, physiotherapy, and alternative therapies. Even medical equipment, mobility aids, and home modifications for health needs can be covered.
Benefits of Using a Personal Loan for Medical Costs
When health issues arise, a personal loan provides immediate access to treatment without depleting your savings or emergency fund. You can choose your preferred specialists and facilities rather than being limited by payment options. Unlike credit cards, you'll have fixed repayments and a clear timeline for paying off medical expenses.
The flexibility to cover all related costs - from procedures to recovery needs - in one loan simplifies your financial planning. Most importantly, you can prioritise your health and wellbeing without the stress of immediate full payment.
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What to Consider When Using a Personal Loan for Medical Expenses
Before taking a medical loan, get detailed quotes from your healthcare providers including all associated costs. Consider whether the treatment is urgent or if you have time to explore different options and prices. Check what your insurance covers and what gap you need to fund.
Factor in any time off work for recovery and how this might affect your ability to make repayments. For elective procedures, research providers thoroughly and ensure you're comfortable with both the medical and financial commitments. Remember to include post-treatment care, medications, and follow-up appointments in your budget.
Common Medical Expenses and Costs
Dental Treatments - Major dental work can be expensive but essential for health and confidence. Root canals, crowns, and implants typically range from $1,500 to $5,000 per tooth, while full orthodontic treatment can cost $6,000 to $10,000.
Vision Correction - Laser eye surgery costs between $2,500 and $4,000 per eye but eliminates ongoing costs of glasses and contacts. Many find the investment worthwhile for the lifestyle improvement.
Specialist Procedures - Private specialist surgeries, from joint replacements to cosmetic procedures, can range from $5,000 to $25,000. Getting treatment promptly can mean faster recovery and return to normal life.
Your Medical Loan Process
Applying for a medical loan is straightforward and sensitive to your health situation. We understand you may be dealing with stress or urgency, so we've streamlined our process. Simply apply online or call us to discuss your needs. With fast approval, you could have funds available the same day to book your treatment.
Start your application with our 2-minute online medical loan form or call 0800 25 10 10 to speak with our understanding team.
Our Easy 3 Step Loan Process
We complete
your application quick as
We'll call you to verify some things.
Everything's sorted!
Once your loan is approved and completed, we aim to have money in your account in less than 1 hour
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- Payments that suit you
We know that flexibility and a repayment schedule that fits with your lifestyle is important to you. We'll do our very best to make it work for you. - We don't judge.
Your business is your business. Our job is simply to help you get to where you want to be, and our trusted team are always available with a friendly ear to help you get what you want today. - No hidden fees
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