Medical Finance NZ
For medical finance NZ -wide, we have you covered at Crester. We understand that paying medical bills can be hard. They can often come out of the blue, and your health is not something you can put on the back burner. However, itās not worth ruining your credit rating by letting doctorās bills go to Baycorp, so before this happens, let us help you with a simple personal loan you can afford to repay.
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We make medical finance easy
You’ll get flexible, affordable repayment options for your medical funding and a plan to suit your circumstances. Whether it’s medical finance for a simple medical procedure or a tummy tuck NZ payment plan, we’re here to get you the cash you need and take the stress away.
We look beyond bad credit mishaps
We offer secured medical loans, preferring to look at the security you have rather than your income. If your credit ratingās not so flash, weāre still interested.
Fixed interest rates
Our interest rates for medical finance NZ-wide are between 9.95% and 26.98% p.a., depending on your circumstances.
Super fast –
Money in your
account
just 24 hours
Medical Finance Calculator
Use our medical finance calculator to see what your repayments could look like before you apply.
Choose your term
Repayment Details
1 YEAR
Your Weekly Repayment
$22.60 PER WEEK* This is an approximate loan duration and amount based on assumed adequate security & collateral, job security, income, residence situation and positive references. This is subject to the New Zealand responsible lending code. Terms and conditions apply.
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Your data is secure
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Trusted by
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Our customer rating
4.6/5
Free gift with every successful loan application
Get Medical Loans From Crester Credit
Step 1
Apply Online (4 mins)
Use our instant loan calculator to see your loan repayments amount. Once happy, apply using our easy online loan application form.
Step 2
Fast Processing
Our service is fast. We credit check your loan application instantly & get back to you with your approval results within just 1 hour.
Step 3
Quick Loans
Once approved, youāll receive your fast cash loan in your account within 24 hours & youāll receive your gift.
Getting started takes only 6 minutes, subject to the responsible lending code of New Zealand. Our online application form for loans online is fast & easy.
Rates
With Crester, you can repay your loan over a term of up to 36 months, with flexible weekly or monthly repayments to suit your budget. Our interest rates range between 9.95% and 26.98% p.a., depending on factors like your credit profile, loan purpose, and selected term. For a full breakdown including early repayment options, default interest, and establishment fees, please refer to our Rates and Fees page.
Terms
Before applying with Crester, please take a moment to review our terms and conditions. When you apply, youāre agreeing to let us collect and securely store your personal details. We aim to ensure all information on our site is current and accurate. If anything seems off, get in touch in writing and weāll work to correct it. Crester follows New Zealandās Responsible Lending Code.
Fees
Your personal data is protected with end-to-end encryption on all Crester web forms, ensuring your details remain secure throughout the loan process. We manage all client information with strict confidentiality, using robust security measures to guard against unauthorised access. Crester also complies fully with New Zealandās privacy laws. For more information, see our Privacy Policy.
Easiest medical finance NZ -wide
We can pay your medical bills directly to your doctor, dentist, hospital or any organisation, so you donāt have to worry. Our health finance can be catered to how much you can afford to pay ā even if itās only a small medical bill, our loans cater for this. (a minimum loan amount of $500 is required)
You can use medical loans for medication, GP visits, specialists, surgery, dentists, medical equipment, support care workers and more. Our plans are personalised; if itās a tummy tuck NZ payment plan youāre after, we have you covered.
We also offer medical equipment loans to businesses, such as defibrillators and other specialists medical equipment.
Pay your medical bill within 24 hours of approval
Doctors bills
With Crester’s Medical Finance, you’ll be able to spread doctors bills across a number of years to help life be more manageable.
X-RAY’s & health finance
Specialist procedures can cost a packet, and when you need them, you may not have the money. Weāre here to help.
After hours fees
In a medical emergency, the after-hours fees that you rack up can be especially daunting. Weāre here to help if you need us for a medical loan.
Optometrist expenses
Getting a new set of frames isnāt the cheapest item to buy in life, but you need to see; thereās no way around it. Ask us for health finance, and weāll help where we can.
Hospitals & health finance
Health finance NZ-wide is available from Crester Credit. Don’t stress about your finances; spread it across a number of years.
Ambulance costs
Again another reason you might need a health loan is because of unexpected ambulance fees. They’re not cheap, but they are essential.
Dentist bills
Ouch, for many reasons. Let us take some of the pain away from visiting the dentist. We can spread your payments across a number of years to make life easier.
Medical Equipment
Need a defibrillator? A wheelchair? Crester can help you with medical finance to spread the payment across a term that’s manageable.
Handy Tips
- Even if you have health insurance, youāll often have to pay medical expenses in advance and then claim from your insurance provider afterwards.
- Using a broker for your health insurance always makes a lot of sense, so you donāt get caught on technicalities.
- Health finance is funding that you can pay off over 36 months, and can be applied to almost anything, such as laser eye surgery or plastic surgery. (We have great tummy tuck NZ payment plans!)
Frequently Asked Questions
Are medical expenses covered by public healthcare in New Zealand?
Most essential medical services are covered, but patients may still incur costs for non-essential services, medications, and if they don’t meet eligibility criteria. If you’re not covered we can get you medical finance fast!
What are my options for financing elective medical procedures, such as tummy tucks, in New Zealand?
Options include private health insurance, medical loans, healthcare payment plans, or using personal savings or loans. We create personalised plans for any medical finance need. If it’s a tummy tuck NZ payment plan you’re after, we’ve got it for you.
What your loan really costs
No surprises. Hereās the full picture before you apply:
- Interest rate: between 9.95% and 26.98% p.a., personalised to your situation and fixed for the life of your loan.
- Establishment fee: between $135 and $995 depending on your loan size, charged once at the start.
- Administration fee: $10, plus $5 for each additional borrower.
- Repaying early: a $65 administration charge applies, plus any prepayment charge as calculated under the regulations.
Every fee we charge is published on our loan interest rates and fees page, and your loan contract shows your exact rate, fees and total repayments before you sign. For a personalised repayment estimate, use the calculator above.
Real people, start to finish. Talk to the same friendly team from application to payout. Meet the Crester team
APPLY NOW, DECISIONS USUALLY NEXT BUSINESS DAY
Apply online today. Our online application form takes only six-eight minutes to complete. Start by filling this in, and if you’d like to talk with one of our loan officers, please make a note of it in the application.
Personal loan questions? Our team can help.
Jeanette
Karen
Jo
Skye
Peter
Laura
We are one of New Zealandās best loan companies providing fast and comprehensive finance options when you need them most. We respond to our customers facing medical bills, almost immediately. Please do take the time to review our commonly asked questions and information about Crester Creditās terms and conditions. Weāve included detail about establishment fees, annual interest rates, early settlement options, the responsible lending code of New Zealand, and the online finance application process. Weāre here to help with everything finance related, so please ask if you have any questions at all.
FAQ