When you need medical care, unfortunately, this can be hard to access quickly through the public system. So, what do you do? You can put your name on a lengthy waitlist and hope that it’s not too late by the time your name makes its way to the top. Or you can choose to use private healthcare, which is extremely costly. Sometimes you have no choice, as you need to get seen as soon as possible. So, with no health insurance, you’re stuck with a huge medical bill. Luckily, here at Alternate Finance, we offer our customers medical loans. Whatever you’re having done, whether it’s large or small, we understand how important your health is. We can facilitate your access to private health care by offering you a personal loan for your medical bills at a competitive interest rate. Then you can pay this off in a timeframe that works for you.
Why We Offer Medical Loans
We have chosen to offer medical loans because we know how important it is for you to be able to prioritise your health. That’s not always possible if you don’t have the liquid finances available to do so. Many New Zealanders don’t have private health insurance because the public system covers most things that we need. However, the waiting lists for certain procedures can be huge, depending on what you need to be done. So, you never know when you’re going to need something medical done urgently and require private care. We often have people contacting us who are at the last straw. Banks often don’t offer personal loans for medical bills and they don’t know where to turn. We are here to remove the red tape and help out the people who need it the most.
How It Works
Applying for a medical loan is easy. You can kick off the process by using the handy loan calculator on our website. You can input into this how much you need to borrow and how much you can afford to repay. Then it will tell you how long it will take you to pay off the loan. You can adjust the inputs until you have found your ideal loan. Next, you can fill out our online loan application form to apply. It comes under the category of emergency loans, so you can select that option when you get to that. The online form takes less than 10 minutes to fill out and you will hear from a member of our team within 24 hours. Once your loan has been approved, the money could be in your bank account the next day, depending on your bank. This is a much faster turnaround time than you will get from most other lenders. They may take days to deliberate over the decision, before offering you the loan that will take numerous business days to come through. Our process to apply is so quick because we know how crucial time is when it comes to your health. You need the money available so you can get your procedure done as soon as possible.
Why Choose Alternate Finance?
There’s a reason that our customers love us so much. Here’s why you should choose Alternate Finance for your medical loans:
At Alternate Finance, we are fully committed to responsible lending practices. That means that we will only lend you what we realistically think you can afford to repay. Together, we will come up with a solution that suits you. Let us know what you think you can repay each week and we will decide on a loan term that will work for your needs. We don’t want to get you over your head in debt; the end goal is to get you out of debt altogether!
Bad Credit Loans
Have you been turned down for personal loans because you have a bad credit history? You may not have been the best with money in the past, but we understand that people can change. If you are now committed to being responsible with your money, then we may be able to still offer you a medical loan. We make decisions based on individual circumstances, not a set of checkboxes. People don’t fit into categories and our team are ready and willing to listen to your situation.
Upfront Interest Rates and Fees
When you get a loan from Alternate, you don’t have to guess how much you’re paying in interest or fees. We make all of that clear so that you know exactly what the total amount you will need to repay is. With rates as reasonable as ours, there is no need to hide what we charge. Apply for a medical loan today and get yourself back to a state of excellent health. Take care of yourself and put your health first.