Personal loans for medical costs.

Cover planned or unexpected healthcare costs, including dental treatment, specialist procedures, surgery and fertility treatment.

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Get the care you need, when you need it

Unexpected medical expenses can place strain on your finances. A medical loan can help cover healthcare costs, giving you access to treatment without having to delay important care.


What we can help you with:

Whether you're planning a procedure, covering unexpected medical costs, or investing in your long-term wellbeing, our team of local lending specialists can help you find a finance solution that works for you. With our personalised finance service, we'll help you get a loan for:

  • dental treatments or orthodontic work
  • elective surgeries or specialist procedures
  • fertility treatments or healthcare services
  • vision correction or other medical expenses

Start with confidence

Explore your options and even start your application - with no impact on your credit score.

I want to borrow

$12,000

$2,000

$50,000

For a term of

4 years

6 months

5 years

I'll repay

Estimated repayments

$0

/ fortnightly

Estimated interest rate from: 0.00%

My credit history is

Total to repay: undefined

Rates & fees

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Local kiwis helping local kiwis do more

We help you build a relationship with the same person - your personal lending advisor. Chances are they’re the ‘give us a call’ type, so say goodbye to 0800 numbers and hello to personal service.

Or better still, pop into one of our 50+ offices throughout New Zealand - chances are there's one just down the road.

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How to apply for a loan

It's only three easy steps to apply with us.

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Apply online or in person

You can start your application online, over the phone or pop into one of our 50+ offices across New Zealand.

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Talk with us

We’ll work with you on a loan that suits your needs.

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Get approved

Share some supporting documents, and we’ll get right on to it.

Ready to go?

FAQ Mobile

Frequently asked questions

A medical loan can help cover planned healthcare and treatment costs, including dental work, specialist treatment, surgery, fertility treatment, vision correction and other medical procedures. You may also be able to include related expenses in your loan. You can borrow between $2,000 and $50,000, subject to our lending criteria. Talk to your local MTF team if you’re unsure whether your treatment or expenses can be financed.

If you find that the initial loan amount isn’t meeting your needs, talk to your MTF contact about borrowing more. Further lending will mean a new contract and a new loan assessment, but we can work through that with you.

Yes, all MTF offices nationwide can offer unsecured loans to eligible individuals and businesses. Our nationwide network of approved vehicle dealerships do not currently offer unsecured loans.

As with all MTF loans, you can settle your loan whenever you want. There is a small fee for settling which changes daily and you can check your account online for the most up-to-date settlement figure. Interest rates and fees vary between loan types.

If you’re a New Zealand citizen, resident or visa holder over 18 years of age and have a regular income, you can apply with MTF Finance.