Whatever your next move is

You can choose to repay your loan weekly, fortnightly, or monthly. Terms range from 1 to 7 years, and there are no penalties for early repayment or making extra payments.

We look at your credit profile, income, expenses, and overall financial situation to offer a personalised, fixed rate from 8.95% p.a. to 23.95% p.a. There are no hidden fees or surprise charges.

Once your loan is approved and the agreement is signed, funds can often be in your account the same day - especially during business hours.

You can borrow between $2,000 and $70,000, depending on your credit profile, income, and the purpose of your loan. We’ll help you find a loan amount that suits your needs—without overstretching your budget.

You can use a Simplify medical loan for a wide range of treatments and services, including:

• Dental procedures (braces, crowns, implants)

• Elective and cosmetic surgeries

• Fertility treatments (e.g. IVF) and pregnancy care

• Private hospital or surgical costs

• Counselling, therapy, and mental health support

• Chiropractic, physio, or alternative treatments

• Diagnostic testing, scans, and specialist consults

• Emergency vet bills for pets

• Medical-related travel and accommodation

Choose a repayment term that suits you, anywhere from 6 months to 7 years. The longer the term, the lower your monthly repayment (but the more interest you’ll pay over time).

We run a soft check first to give you a quote without affecting your credit score. If you accept the offer, a full credit check will be done at that point.

Yes! Our friendly NZ-based team is available to guide you every step of the way. You can apply online, call us on 0800 001 561, or request a callback to talk through your options.

It depends on your current debts. If you’re paying high interest rates on credit cards or short-term finance, consolidating into a personal loan with a lower fixed rate could reduce your overall interest, and help you pay off your debts faster.