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Do you or your family require a medical procedure? Do you need to pay for medical expenses you've already incurred that aren't covered by insurance? 

Nothing is more important, or more valuable than your health. But medical issues wait for no one, and you should never have to postpone important treatments due to financial reasons.

If you have an issue that isn't covered by publicly funded healthcare or health insurance in New Zealand, an Instant Finance medical loan may be able to grant you access to the care you need, when you need it, or it can help you pay for the costs of a recent emergency treatment.

Why IF | Benefits

  • Apply online: A few minutes and a bit of basic information is all it takes to fill out our medical finance online application, which can be done on a desktop or mobile device.
  • Same-day response: You’ll hear from us on the very same day you apply to confirm if there’s anything else we need & the next steps
  • Money within 24 hours: Once your Financial assistance is approved, you'll see the money in your account within 24 hours!
  • Personalised interest rate: We offer competitive rates and easy payment plans customised to your situation, that ensure you enjoy the best possible outcome, both medically and financially.

 

  • Fast online application

    Apply from anywhere, anytime! Not only is the application form fast, but it helps us collect all the information we need and process your application faster too.

  • Same day response

    When you need cash, you don't want to be held up. You can expect a same-day response about the next steps for your application.

  • Money in your account within 24hrs of approval

    Once your loan application is approved, you could have money in your account within 24 hours and get back to what you love.

  • Personalised rates

    Get an interest rate of your own! We know there's no one size fits all, so we tailor our interest rates to you and your financial situation. Why not have a play with our calculator?

Interest Rate

A medical loan is a type of personal loan made up of principal and interest repayments and other fees. Your interest rate will be based on several variables, including loan size, term length, personal circumstances and credit score.

At Instant Finance we're a finance company that prides itself on offering affordable financial assistance. We offer medical loans with some of the best rates available, and over flexible terms, so you can get the surgeries you want or need sooner.

Medical Loan Calculator

Wondering what the cost of your medical loan might be, both in terms of regular repayments and the full loan term?

As a finance company that aims for total transparency, the handy Instant Finance loan calculator tells you exactly that. Simply adjust the dollar amount and loan term to check what your repayments might be!

How to apply

To be eligible to apply for an Instant Finance medical loan you need to be at least 18 years of age and a New Zealand resident or visa holder.

Our online application form is simple to fill out, and as part of the process you'll be asked to verify your identity (either online or in person) and supply bank statements through a secure link.

Apply Now!

If you need money for a medical purpose, you can get it sooner with Instant Finance. Whether there's a surgery you need or want, or you have a medical bill you need to take care of, we're here to help, as we have been for half a century.

Apply online today.

 

FAQs

Can you pay off plastic surgery in NZ?

Yes, you can get a medical finance personal loan for elective procedures like cosmetic and plastic surgery, weight loss surgery, and other specialist medical surgeries.

Do you pay for surgery in NZ?

New Zealand has a strong public health system, and certain surgeries are covered by publicly funded health services. Learn more here.

How much is a tummy tuck in NZ?

In New Zealand, the average price for a tummy tuck - or more officially, an abdominoplasty - is between $20K-$30K. That price includes hospital, anaesthetist and surgeon's fees.

Need medical finance? Apply Today

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