Looking for Medical Bill Loans? Jacaranda NZ Could Be The Trustworthy Lender You’ve Been Searching For

"Looking for Medical Bill Loans? Jacaranda NZ Could Be The Trustworthy Lender You’ve Been Searching For"


When you have to deal with a medical emergency, the last thing you want to think about is how much it’s going to cost. Instead, your treatment and well-being should be at the top of your list of priorities! That’s where Jacaranda NZ comes in. We can find medical bill loans to help you cover the expense of your treatment and care. If you need finance now, we could even help you with medical bill consolidation by locating loans for medical debt. So, don’t let yourself get overwhelmed! Let us show you how simple applying for a loan can be when you go through Jacaranda.

What We Do

Jacaranda is a 100% online lender-finder service connecting you with medical bill loans at your fingertips. In a nutshell, we are a loan facilitator, putting your loan request in front of dozens of New Zealand’s best lenders all in one simple application. If you are looking at getting a loan to pay off medical bills or just want a medical bill loan consolidation, then you’ve come to the right place!

Loans At Your Fingertips, As Easy As 1,2,3!

If you’re looking for loans to pay off medical bills then look no further. Our simple application process has three easy steps:

1. Apply Online For Free.

Submitting a loan request couldn’t be easier. Our straightforward free online application form takes no more than a few minutes to complete. We just need some basic details from you about your personal circumstances, and the loan you want. You will also need to provide us with a bank statement.

2. Wait To See If We Have A Match

Once you’ve submitted the application form it’s up to us to match you with a lender to meet your requirements. We work with lenders all over New Zealand offering personal loans for medical bills online. If we find a match you could get an answer within 60 minutes of applying! It may be slightly longer if you apply outside of business hours, but we will do our best to get back to you on the next business day.

3. Your Loan Is Waiting For You

Once you’ve matched with a lender we will let you know. It will then be down to the lender to discuss further with you directly. A contract will be proposed with repayment terms depending on your application. Make sure that you read the contract fully before agreeing. You are under no obligation to accept any contract before it is signed. If you’re happy, then we’re happy! Just sign the contract and your cash loan will be on its way to you!

Can’t I Just Find A Lender On My Own?

Well, of course, you can! It’s just that doing it yourself won’t always be as easy…

Allowing Jacaranda to help you find a lender will:

Save You Time

We are proud to facilitate medical bill loans for our valued customers. The reason we’re able to get your money quickly is that we’re able to apply to multiple lenders at once. This means no time is spent waiting for responses from individual lenders who can sometimes take days or weeks to get back to you. Our response time can be as quick as 60 minutes.

Not only that but because we are 100% online, you don’t have to waste hours waiting at the end of a phone line to get an answer.

Give You Peace Of Mind

The lender market can sometimes be confusing. Whilst the vast majority of companies are reputable and law-abiding, there are always less scrupulous lenders out there waiting to exploit customers. Applying through Jacaranda, you never have to worry. We only work with highly reputable lenders who will give you a full breakdown of the rates and costs of your loan before you sign a contract. We also care about your online security, which is why we are partnered with security giants McAfee and Comodo to protect your data.

Get You The Best Rates

We work with lenders who offer some of the best rates on medical bill loans. Because we put your application in front of multiple lenders, we can match you with a lender who offers you the most favourable rates. If you’re not happy with the rate you’re offered, there is no obligation to say yes, just politely decline and we’ll continue our search.

Put A Smile On Your Face

We put our customers at the heart of what we do. If you’re not happy, then neither are we! Our commitment to excellent customer service has earned us Word of Mouth service awards two years running (2017 and 2018). If you have any problems with your application or have any further questions feel free to contact us!

Who Do We Help?

Jacaranda is proud to help customers from all over New Zealand to get the medical bill loans they need. In fact, we can help you find finance for a range of different purposes. Whether you need a last-minute loan for vet bills, a loan for travel, or a much-needed loan for a rental bond, we’re on hand!

Who Can Apply For Medical Bill Loans?

The great news is, our loan application criteria are pretty open. If you can answer ‘yes’ to the questions below, then you can apply!

  • Are you 18 years old or over?
  • Do you have a valid phone number?
  • Have you got a valid email address?
  • Do you have proof that you have been employed and receiving an income for the past 90 days?

You are also eligible to apply for medical bill loans if you are receiving government benefits. All credit providers must conduct an assessment to ensure that what they’re offering you is affordable and suitable.

What Documents Will I Need?

To apply for a loan for medical bills with our lenders you WILL need to provide the following:

Copy of bank statement showing the past 90 days. This is needed by us to prove your 90 days income required to apply for a loan.

Your lenders MAY ask you for:

  • Copy of bills
  • Copy of payslips
  • Identification

The documentation required varies from lender to lender, but it is a good idea to have these things ready in case you need to produce it. It speeds up the process and allows you to get your loan quicker!

Is Employment Verification Required?

Maybe. Some lenders may need to verify your employment with a phone call or email to your employer. If this is required – do not worry, lenders are professional and will not reveal any information about your loan application.

Can I Apply For Easy Loans If I Have Bad Credit?

We believe that everyone deserves a second chance, which is why we work with lenders who try to offer medical bill loans for bad credit. Lenders will review your eligibility by looking at your current financial situation and other information that you provide. So, we may be able to find you loans for medical bills with bad credit.

How Much Can I Borrow?

We know that life’s curveballs come in all shapes and sizes. That’s why we work with lenders who offer easy loans from $300 to $10,000. Repayment terms vary from 12 to 24 months depending on the size of your loan and personal circumstances.

How Much Will My Loan Cost Me?

Medical bill loans needn’t break the bank. The lender will always give you your interest rate and the total cost of your loan upfront, so there are no hidden surprises or charges.

The cost of your loan will depend on the amount you borrow, and how long your repayment term is. Each loan will be different, so you will need to speak to your lender directly to get an exact cost. However, the calculation below gives an example of rates:

  • Loan amount: $2,500 repaid over 13 months
  • Weekly payment: $75.05
  • Total interest: $1,702.80
  • Total repayable: $4,202.80
  • Monthly interest rate: 9% AIR: 108%

Interest rates for loans vary between 1.5% and 20%.

You may want to check out a loan calculator to give yourself a better indication of the approximate cost of your loan.

WARNING: This is a repayment estimate only. Your lender will determine the exact fees, terms and loan amount available for you, which may alter your repayments. Annualised Interest Rates (AIR) could be as high as 620.5% depending on your personal situation.

What If I Can’t Keep Up With The Repayments?

If your circumstances change, for example, you lose your job, and can’t keep up with repayments, it is highly advised to contact your lender immediately. With enough notice, your lender may be able to adapt your repayment plan so that you don’t default on your loan.

Can I Repay My Loan Off Early?

Whilst the minimum length term most lenders offer is 12 months, if you have the money to pay off your loan before the 12 months ends, then this can usually be arranged. You will just need to contact your lender and ask for a payout figure. There is more information about this in our information statement.

Have We Answered All Of Your Questions?

If you still have more, you want to head over to our FAQ page. If you can’t find the answer there or would rather speak to a member of the team directly, you can use our online contact form.

Did you know, we’re also on social media! Check us out on Facebook, Twitter and Pinterest.