Merz Constructions

HealthCare Finance has got you covered

At Smartcover Finance, we know how stressful it can be when you or a family member needs health care you just can’t afford.

If you don’t have Health Insurance, medical bills can be costly – whether they’re for emergency health care or important procedures you can’t put off any longer.

Thankfully, we offer a simple solution. Smartcover Finance provides Personal Loans from $200 to $15,000 with flexible repayment options, so you can get the health care for you or your family, so you can have peace of mind. We’ve got you covered!

What Can I use Healthcare Finance for?

  • Laser Tattoo Removal.
  • Varicose Vein Removal.
  • Mole Mapping and Mole Removal.
  • CT Scanning and MRI Imaging.
  • Dental work.
  • Orthodontic work.
  • Hearing aids.
  • Optometrist.
  • Appearance Medicine.
  • Weight Loss Surgery.
  • Fertility Treatment.

Here are just a few more benefits we can offer:

  • A wide range of Surgeries, procedures, and treatments accepted.
  • Up to 6 months interest-free.
  • Applications approved in as little as 60 minutes
  • Payment plans tailored to suit your budget
  • No deposit with 6-24 month terms
  • Loan “Top Ups” available for future visits
  • Loans available throughout New Zealand
  • Personal, friendly service provided.

Apply Online


  • You must be a NZ Citizen or Permanent Resident
  • Aged 18 years or over
  • Photo ID (Drivers Licence, Passport)
  • Proof of Income (Bank Statement, Pay Slip)
  • Proof of Address (Utility Bill, Tenancy Agreement)
  • Own a vehicle for loan security (we can accept unsecured loans on a case by case basis)
  • In some cases, a guarantor may be required
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Registered NZ Financial Service Provider (FSP#345366)  •  Member of the Financial Dispute Resolution Scheme
Smartcover Finance Ltd is committed to being a responsible lending company.  …more on Responsible Lending