Frequently Asked Questions

You will need to be aged between 21 - 75 to apply for a loan with Zebra Health finance.

We provide loans from £350 to £20,000, your chosen hospital or clinic will confirm the cost of your treatment or procedure.

Zebra offer loan terms of 6 months to 60 months. Once you apply for a loan, the relevant terms applicable to your chosen hospital or clinic will be made available for you to consider.

Once you apply for a loan, the relevant options applicable to your chosen hospital or clinic will be made available for you to consider.

This will certainly make it easier for you to get a Zebra Health loan. All loans are subject to status and Terms and Conditions, if you have concerns over your credit history we would suggest you contact a credit reference agency for more information, we use Call Credit: or call them on:0330 024 7574

To be eligible to apply for a loan, you will need to have been a permanent UK resident for at least the last 3 years.

This is not necessarily a problem as we consider many factors when you apply for a loan, we would recommend you consider applying with a joint applicant that is in full time employment to strengthen your application.

You can make a joint application with a direct family member, Spouse, Mother/Father, Brother/Sister. Please note that the joint applicant will also be credit checked during the application.

It is not necessary for you to be a homeowner to apply for a Zebra Health Loan.

Yes you can, you would need to be have been trading a minimum of one full tax year.

When submitting an application for finance you will need to provide your full name, date of birth, 3 years address history, 3 years employment history, income/expenditure details and bank account information. You will also need the access code for your chosen hospital or clinic to enter the application portal.

Before applying you will need to have chosen the hospital or clinic that will complete your procedure and have had a consultation with them to ensure you are making and informed decision and understand the true cost of your procedure.

An access code allows us to identify the hospital/clinic you have had your consultation with The hospital/clinic will advise you of the access code you require when applying for finance.

With online applications we aim to provide you with a decision in 24 hours via e-mail. If an e-mail address is not provided when submitting the application we will post our decision out to you.

This highlights mandatory fields which you must complete before moving onto the next question on the application. The system will highlight in green when completed correctly.

If incorrect details have been provided on your application, please contact our application department on 01332 680400 (Opt 1) and they will be able to assist. This may result in a new application being submitted.

We will not pay you directly. Zebra Health Finance will pay your chosen hospital/clinic directly.

We will need to know the date that your procedure is due to take place, as this will be an indicator for when the funds will be released to your chosen hospital/clinic

This is an online process which enables the documents to be signed electronically. If you have not given us an e-mail address whilst applying you will be unable to echo sign your document and your documents will be sent to you in the post.

We will always give you a minimum of 10 days’ written notice of your first payment by sending you an Advance Notice of Set Up of a Direct Debit Instruction which sets out the payment amounts and the collections dates. If you need to change the date we allocate to you we can do that quickly and easily for you.

If you need to change the date we allocate to you we can do that quickly and easily. Our collections department will endeavour to amend the repayment date to more suitable date for you.

You can call our collections department or e-mail and we will be able to assist with changing your bank details.

You can call our team or e-mail and we will be able to assist with changing your address details.

All applications have a 14 day cancellation period from date activation. If you wish to cancel and are within the 14 days please contact us or e-mail us on

Like many responsible lenders, we take into consideration your personal circumstances, previous account conduct and credit history. If your application has been unsuccessful we will be unable to provide the finance on this occasion.

You will now need to speak to your chosen hospital or clinic for your other payment options.

Zebra are an agent and loans administrator for Raphaels Bank who is the Lender. Direct debits are collected by Raphaels but administered by us. Your payments will show as RRSZebra on your statement.

A continuous payment authority, (“CPA”), is a type of recurring payment, similar to a Direct Debit where you give permission for a company to take future payment(s) using your debit card details.

We will only use “CPA” as an alternative payment method to our standard direct debit payment method should your account fall into arrears. We will take authority from you to use this payment method and obtain your debit card details. Only agreed payment amounts will be taken, on agreed dates. Payments will only be attempted once. If the agreed payment is unsuccessful, we will not try to take part payments, we will attempt to contact you to find out why your payment has failed and an alternative arrangement will be required.

As a CPA is only used if your account is in arrears, then failure of the agreed payment will result in your account continuing to be in arrears. The status of your account is reported each month to the credit reference agencies, whilst in arrears, this will have a negative impact on your credit file which may cause you problems obtaining credit in the future.

Cancelling CPA via email Please send an email to with a subject title of “Cancel Continuous Payment Authority”. Within the email, please quote the following to help us identify your account; • your loan agreement reference • your name and date of birth • your postcode Please be aware it will take at least 24 hours to process this instruction so if you have a repayment scheduled within the next day or two you should call us.

You can cancel CPA by calling 01332 680415 and speaking to a collections adviser.

No fees are applied for paying your account by debit card