Dental finance
Helping Kiwis access dental care
Dental treatment in New Zealandis not publicly funded for adults - with the exception of emergency extractions in limited circumstances. The cost of cosmetic work, restorative treatment,implants, orthodontics, and specialist dental care falls entirely to the patient.
For many New Zealanders, dental costs are one of the more significant unplanned expenses they face. A personal loan for dental treatment allows you to access the work you need now and repay it over a term that fits your budget.
What we can help with
Overseas dental treatment
A growing number of New Zealanders are choosing to have dental work done overseas, most commonly in Thailand, Vietnam, Indonesia, or the Philippines. Dental treatment in these countries can cost 50 - 80% less than equivalent work in NZ, even when flights and accommodation are factored in. Common procedures for overseas dental trips include implants, crowns, full smile makeovers, and orthodontic assessments.
A personal loan through Nomu can be used to fund the full cost of an overseas dental trip (treatment, flights, accommodation, and any related costs) in a single loan. The funds are paid to your account, so you can book independently with any provider.
What to check before travelling for dental work
- Research the provider thoroughly, look for internationally accredited clinics and read verified patient reviews from NZ patients
- Contact the clinic directly before booking to discuss your treatment needs, answer questions about their process, and advise what clinical information they require ahead of your visit.
- Understand what follow-up care would look like back in NZ if something needs attention after you return
- Check your travel insurance policy covers any treatment complications that may arise during your trip
- Build a realistic budget including contingency. Treatment plans can change once the dentist has assessed the work required in person
A personal loan for overseas dental treatment is particularly useful - clinic finance at an overseas provider is rarely available to New Zealand patients, and the full cost typically needs to be funded independently.
What happens after you apply
You submit your application: Tell us about your financialsituation and how much you need to borrow. Takes about five minutes. You do not need a quote from a dentist before applying.
We review your application: We assess your application and identify the options best suited to your financial situation.
Choose and proceed: Select the option that works for you. Loan contracts are issued electronically for signing.
Settlement: Once contracts are signed and the final paperwork is in order, funds are typically available within 24 hours and often same day.
What you'll need
To keep things moving smoothly, have the following ready before or shortly after you apply for your car loan:
- A current and valid New Zealand driver's licence
- Three months of bank statements
- Proof of income - bank statemetns, payslips or IRD Summary of Earnings if you're self-employed
You don't need everything upfront. We'll let you know exactly what's required at each stage of the process.
How it works
Follow our three easy steps.
1
Apply online
2
We find you options
3
Choose & proceed
Dental loan rates and terms
What you need to know about borrowing.
Loan amounts
$3k - $100k
AI matching
Fast decisions
Interest rates
from 8.45% p.a.
Fast funding
Same day*
Loan terms
1 to 7 years
Calculate your dental loan repayments
Get an estimate of what your loan could cost.
What our customers say
See how we've helped people in situations like yours.
Why choose Nomu?
AI-powered technology that makes vehicle finance simpler and faster.
AI-powered matching
Our platform analyses your application and identifies the finance options best suited to your situation - faster than traditional processes allow
Built for New Zealand
We're a New Zealand company. We work with NZ lenders, and we serve NZ borrowers. Local ownership, local support, local focus.
Transparency & trust
No hidden fees or confusing jargon. We are upfront about how we work and how we're paid. No uncertainty, just clarity at every step.
