Reviews collected under Lending Room — the team behind Zooma
Medical and dental costs shouldn't stop you getting the treatment you need. Apply once with Zooma and we match you to the right lender for your situation. Rates from 8.99% p.a. with no impact on your credit score from our check.
Most applicants hear back the same business day. Not sure you qualify? Check here →
From elective surgery to urgent dental work, we match you to the right lender for your specific healthcare need.
Elective or planned surgery, orthopaedic procedures, eye surgery and other planned medical treatments.
Major dental work including implants, orthodontics, crowns and treatments not fully covered by insurance.
Therapy, counselling, residential treatment or other mental health services. Your wellbeing matters.
IVF and other fertility treatments. Finance the treatment you need without the long wait.
Laser eye surgery, glasses, hearing aids or other treatments not covered by insurance.
Any legitimate medical or dental expense. Apply and we will match you to the right lender.
One application reaches lenders who understand medical and dental finance. No credit score impact from our check.
One soft check only. Apply to multiple lenders directly and each runs a hard inquiry — we avoid that entirely.
We understand that treatment sometimes cannot wait. Let our team know if your situation is urgent.
Practice payment plans often carry high deferred interest. A personal loan rate from 8.99% is often significantly cheaper.
See your approval and rate before committing. No pressure at any stage.
One short form. No chasing lenders yourself. We match you to the right one and keep you updated every step of the way.
Tell us the type of procedure, the estimated cost and a bit about your situation. It takes around 5 minutes. You only ever do this once — no repeating yourself across multiple lender or practice finance websites.
We run a single soft credit check with zero impact on your score and review your application. We then identify the lender on our panel best suited to fund your specific medical or dental expense at a competitive rate.
We come back to you with your result. If it works for you, we guide you through to settlement. Same-day assessments are available for urgent situations. No obligation at any stage and no pressure to proceed.
Estimate your repayments
Adjust the sliders to see what your medical loan might cost.
Guide only. Actual rates depend on your profile and lender criteria. Rates 8.99–29.95% p.a. (AIR). Broker fee up to $1,500 and lender establishment fees up to $450 may apply.
Most employed New Zealanders with a stable income and good credit record can apply.
Full-time, part-time or self-employed with regular, verifiable income.
NZ citizens and residents welcome. Work visas with 13+ months remaining also accepted.
We assess your full situation before approaching any lender. Not sure where you stand — just apply.
Planned or urgent procedures. Loan amounts from $3,000 to $250,000 across terms of 6 to 84 months.
Takes about 5 minutes. No credit score impact and no obligation to proceed.
Get Started — 5 MinutesReal feedback from New Zealanders we have helped find the right loan.
Everything you need to know before you apply.
Still not sure? Talk to our team
Yes. A personal loan is a common way to cover medical and dental costs in NZ. Rates start from 8.99% p.a. through Zooma — often significantly cheaper than practice payment plans or credit cards.
Yes. Same-day assessments are available. If your situation is urgent, let our team know when you apply and we will prioritise your assessment.
Often yes. Practice payment plans can carry deferred interest that reverts to 25–30% p.a. if not fully repaid within a promotional period. A personal loan at 8.99% p.a. with fixed repayments is typically the more cost-effective option for procedures over $3,000.
Most procedures including surgery, dental work, orthodontics, fertility treatment, mental health services, vision correction and hearing aids.
No. We use a soft credit check during our assessment which does not appear on your file or affect your score.
A broker fee of up to $1,500 applies when your loan is funded. Lender establishment fees of up to $450 may also apply. No upfront fees to apply.
Healthcare costs in New Zealand can be significant even with the public health system. Elective procedures, dental work, orthodontics, fertility treatment and specialist consultations often involve substantial out-of-pocket costs.
A personal loan is one of the most practical ways to fund medical or dental treatment. Rates from 8.99% p.a. through Zooma's panel are significantly cheaper than using a credit card (typically 19–28% p.a.) or practice payment plans which often carry high deferred interest.
Private medical and dental costs vary widely in New Zealand. Understanding typical costs helps you plan the right loan amount:
Elective surgery at a private hospital typically costs $5,000–$30,000. Orthopaedic surgery and joint replacements sit at the higher end.
A single dental implant costs $3,000–$6,000 including crown. Full-arch solutions range from $20,000–$40,000 per arch.
Traditional braces cost $6,000–$10,000. Clear aligner treatment ranges from $4,000–$9,000 depending on case complexity.
A single IVF cycle typically costs $8,000–$15,000. Most couples require multiple cycles. Out-of-pocket costs remain significant even with partial Pharmac funding.
Private therapy typically costs $150–$250 per session. Residential mental health programmes can run $3,000–$20,000 depending on duration.
Zooma can arrange medical finance from $3,000 to $250,000. Same-day assessments are available for urgent situations.
Many practices offer in-house payment plans. While convenient, these often carry hidden costs worth understanding:
Some practices offer 0% interest plans but these are typically short-term (3–12 months). Miss a payment and you may be charged deferred interest on the full original amount — often at 25–30% p.a.
A personal loan gives you a fixed rate, fixed term and predictable repayments. You pay off the full cost over 1–7 years at a rate as low as 8.99% p.a. with no deferred interest trap and full choice of provider.
For procedures over $3,000 that you cannot repay within 3 months, a personal loan through Zooma's panel is typically the more cost-effective option.
One application. Specialist medical finance lenders. Rates from 8.99% p.a. No credit score impact.
