Medical Finance NZ

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, it’s not worth ruining your credit rating by letting doctor’s bills go to Baycorp, so before this happens, let us help you with a simple medical loan that you can afford to repay.

We make it easy for you

You’ll get flexible personal loan repayments and terms tailored to suit your circumstances.

We look beyond bad credit ratings

We offer secured personal loans, preferring to look at the security you have rather than your income. If your credit rating’s not so flash, we’re still interested.

We give you better interest rates

Why pay more through other finance companies? We offer low-interest personal loans.





NZ Loan Calculator

Use our online loan calculator to find out your instant finance solution and the cost of your loan repayments. It’s easy and you’ll have your cash fast!

I want to borrow:
I can afford to repay (per week):

$30 per week

Our maximum loan term is 3 years so your repayments on a $6650 loan must be $70 (or more) per week

Takes only 4 mins
Apply now
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* This is an approximate loan duration based on assumed adequate security & collateral, job security, income, residence situation and positive references.

Easiest medical finance NZ-wide

We can pay your medical bills directly to your doctor, dentist, hospital or any organisation, so you don’t have to worry. Our medical finance can be catered to how much you can afford to pay – even if it’s only a small medical bill (a minimum loan amount of $500 is required), our loans cater for this.

You can use medical loans for medication, GP visits, specialists, surgery, dentists, medical equipment, support care workers and more.

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. We’re here to help.

After hours fees

In a medical emergency, the after-hours fees that you rack up can be especially daunting. We’re here to help if you need us for a medical loan.

Optometrist expenses

Getting a new set of frames isn’t the cheapest item to buy in life, but you need to see; there’s no way around it. Ask us for health finance, and we’ll 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, you’ll often have to pay 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 don’t get caught on technicalities.
  • Health finance is funding that you can payoff, over 36 months and can be applied to almost anything such as cosmetic surgery.

Questions? Connect with one of our friendly asset financing team.


We respond to requests immediately, so we’ll get back to you super-fast to discuss your request. In the meantime, check out our answers to common questions.

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