Reviews collected under Lending Room, the team behind NeedCashToday
Medical and dental costs should not stop you getting the treatment you need. Apply once with NeedCashToday 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 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 not fully covered by the public system.
Major dental work including implants, orthodontics, crowns, bridges and treatments not fully covered by insurance or subsidised care.
Therapy, counselling, residential treatment or other mental health services. Your wellbeing matters and we can help make it accessible.
IVF and other fertility treatments. Finance the treatment you need without waiting years to save while the clock is ticking.
Laser eye surgery, glasses, hearing aids or specialist treatments not covered by insurance. Improve your quality of life today.
Any legitimate medical or dental expense. Apply and we will match you to the right lender for your specific treatment.
Apply nowOne short form, one soft credit check. We match you to the lender best suited to fund your specific medical or dental expense at a competitive rate.
Tell us the type of procedure, the estimated cost and a bit about your situation. Takes around 5 minutes. You only ever do this once — no repeating yourself across multiple lenders 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.
Guide only. Actual rate depends on your credit profile and lender. Rates 8.99–29.95% p.a. (AIR). Broker fee up to $1,500 and lender establishment fees may apply.
Get My Real RateOne 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 enquiry — we avoid that entirely so your score stays intact throughout.
We understand that treatment sometimes cannot wait. Let our team know if your situation is urgent and we will prioritise your assessment accordingly.
Practice payment plans often carry deferred interest that reverts to 25–30% p.a. A personal loan from 8.99% p.a. with fixed repayments is typically the more cost-effective option.
We search across our full panel to find the lender most likely to approve your application at the best rate for your specific treatment type and situation.
Complete one 5-minute application and we handle the rest. No repeating yourself across multiple lenders or navigating complex practice finance applications.
See your approval and rate before committing. The broker fee only applies on successful funding and is always disclosed upfront. No pressure at any stage.
Most employed New Zealanders with a stable income and good credit record can apply. Planned or urgent procedures both accepted.
Full-time, part-time or self-employed with a regular, verifiable NZ income. Lenders need confidence that repayments are comfortably within your means.
NZ citizens and permanent residents are welcome. Open and employer-specific work visas with at least 13 months remaining are also accepted in many cases.
We assess your full situation before approaching any lender. Not sure where you stand — just apply and we will give you an honest assessment of your options.
Planned or urgent procedures accepted. Loan amounts from $3,000 to $250,000 across terms of 6 to 84 months to match your budget.
Takes about 5 minutes. No credit score impact and no obligation to proceed. We assess your situation and come back with a real lender match and rate.
Get Started — 5 MinutesRated 5 out of 5 on Trustpilot
Everything you need to know before you apply for medical finance through NeedCashToday.
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 NeedCashToday — often significantly cheaper than practice payment plans or credit cards. We match you to the right lender for your specific treatment with one soft credit check and no impact on your score.
Yes. Same-day assessments are available. If your situation is urgent, let our team know when you apply and we will prioritise your assessment. Many lenders on our panel can fund within 24 hours once approval is confirmed and documents are signed.
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 that you cannot repay within 3 months.
Most procedures are accepted including elective surgery, dental work, orthodontics, fertility treatment, mental health services, vision correction and hearing aids. Cosmetic procedures are also eligible in most cases. If you are unsure whether your specific treatment qualifies, apply and we will advise.
No. We use a soft credit check during our assessment which does not appear on your credit file and has no impact on your score. Once matched to a lender, some accept our check while others may run their own standard enquiry — we will always tell you before anything happens.
You can borrow from $3,000 up to $250,000 for medical and dental purposes through NeedCashToday. Terms range from 6 to 84 months. The amount approved depends on your income, credit history and the lender you are matched with.
A broker and introducer fee of up to $1,500 applies when your loan is successfully funded. This is added to your loan amount, is GST inclusive, and is always disclosed before you commit to anything. Lender establishment fees may also apply. There are 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 treatment. Rates from 8.99% p.a. through NeedCashToday'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. Understanding typical costs helps you plan the right loan amount.
Private surgery
$5,000 – $30,000
Orthopaedic surgery and joint replacements sit at the higher end
Dental implants
$3,000 – $6,000
Per tooth including crown. Full-arch solutions from $20,000 per arch
Orthodontics
$4,000 – $10,000
Traditional braces or clear aligners depending on case complexity
IVF and fertility
$8,000 – $15,000
Per cycle. Most couples require multiple cycles
Many practices offer in-house payment plans. While convenient, these often carry hidden costs worth understanding before you commit.
Some practices offer 0% interest plans but these are typically short-term (3–12 months). Miss a payment or fail to clear the balance before the promotional period ends 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 risk and full choice of healthcare provider. For procedures over $3,000 that you cannot repay within 3 months, a personal loan through our panel is typically the more cost-effective option.
We are a broker, not a lender. Our job is to find the most suitable lender for your specific situation — treatment type, loan amount, income and credit profile. One application, one soft check, and we present you with the best match from our panel of 20+ NZ lenders. No obligation, no repeated paperwork, no wasted time. Talk to our team if you have questions before you apply.
One application. Specialist medical finance lenders. Rates from 8.99% p.a. No credit score impact from our check.
Soft credit check only. Broker fee of up to $1,500 applies on successful funding. NeedCashToday is powered by Lending Room, FSPR registered. Rates 8.99–29.95% p.a. (AIR). Full T&Cs apply.
