Medical loans
When health costs can't wait
New Zealand's public health system covers a lot, but not everything. Specialist consultations, elective procedures, dental treatment, fertility support, cosmetic surgery, and rehabilitation all fall outside public coverage, and the costs can add up quickly.
Many procedures are partially covered by Southern Cross or other health insurance. A personal loan can cover the gap between what your insurer pays out and the actual cost, so you're not waiting on treatment while you find the funds.
When health costs come up, and you face a large medical bill, a personal loan through Nomu lets you access the care you need and spread the cost over a term that works for your budget.
What we finance
Your specialist, your choice
Some medical lenders in NZ work through networks of affiliated doctors and clinics - the loan and the provider come as a package.
A personal loan through Nomu works differently. A personal loan for surgery is paid to your nominated bank account, so you choose your own surgeon, specialist, or clinic on merit, compare quotes freely between providers, and can even fund treatment overseas - including flights and accommodation in the same loan.
Your medical decisions stay between you and your medical team.
After you apply
You submit your application: Tell us about your financial situation and what you need to borrow. You do not need a quote from a medical provider before applying.
We review your application: We assess your application and identify the options best suited to your profile and needs.
Choose and proceed: Select an option that works for you. Loan contracts are issued electronically for signing.
Settlement: Once contracts are signed funds are typically available within 24 hours and often same day.
What you'll need
To keep things moving smoothly, here is what you will need:
- A current and valid New Zealand driver's licence
- Three months of bank statements on all active accounts
- Proof of income (bank statements or recent payslips or IR3 Summary of Earnings if 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
1
Apply online
2
We find you options
3
Choose & proceed
Medical loan rates and terms
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 medical loan repayments
What our customers say
Why choose Nomu?
AI-powered technology that makes medical 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.
