Prioritise your health - without the financial stress.

Health should always come first, but medical expenses can be sudden, significant, and often not fully covered by insurance or public healthcare. Whether it’s an urgent surgery, specialist consultation, dental work, or planned cosmetic procedure, a medical loan from Simplify helps you access the treatment you need, when you need it, without draining your savings.

At Simplify, we support individuals and families across Aotearoa with personal loans designed to make medical costs more manageable. With fast online applications, fixed rates, and flexible repayment terms, you can focus on getting better - not worrying about how to pay.

What can a Medical Loan cover?

A Simplify Medical Loan gives you the freedom to finance a wide range of treatments, therapies, and healthcare needs, including:


• Dental care: orthodontics, crowns, wisdom teeth removal, veneers, root canals
 • Cosmetic and elective procedures: laser eye surgery, rhinoplasty, hair restoration
 • Surgical costs: private hospital admissions, elective surgeries, pre/post-op consults
 • Maternity and fertility care: IVF, pregnancy scans, delivery costs, postnatal support
 • Mental health support: counselling, psychology, addiction treatment, rehab
 • Alternative therapies: acupuncture, osteopathy, chiropractic, physio
• Ongoing condition management: equipment, diagnostics, medication
 • Urgent or uncovered costs: specialist visits, overseas treatment, emergency care
 • Vet bills for pets: emergency treatment, diagnostics, surgical procedures You can also combine your medical costs with other life expenses, like debt consolidation or travel for treatment, into one simple, easy-to-manage personal loan.

Create a Medical Budget

Even planned treatments can bring unexpected costs. From follow-up consults to travel, prescriptions or specialist fees, medical expenses often go beyond the procedure itself. Having a budget upfront can help you prepare better and borrow smarter.

Understand the full treatment journey


Some treatments can’t wait - and that’s okay. But for those that can be scheduled, take the time to get a few quotes or explore public waitlist options in parallel. This can help you set realistic loan expectations and avoid over-borrowing.

Avoid high-interest Credit Cards


Medical loans typically have lower fixed rates than credit cards or buy-now-pay-later schemes. If you’ve been putting off treatment due to cost, or using high-interest credit to cover care - a personal loan could be a more affordable long-term option.

Ask about hidden or ongoing costs


Not every provider lists every fee upfront. Check if there are “facility fees”, insurance exclusions, or equipment hire charges. It’s better to overestimate your loan needs slightly than be caught short later.