Are you considering cosmetic or plastic surgery but aren’t quite sure how you’ll pay for it?

Perhaps you need to cover an elective procedure or a different type of medical expenses?

Is it possible to take out a loan to help finance these types of medical costs?

Yes, it is. At Fair Go Finance our medical loans from $500 up to $10,000 are available to help and can be used for all types of medical procedures.


Should I get a loan to pay for my medical expenses?

If you want to proceed with a medical procedure but need help to finance it, a loan is a good option to consider.

The benefits of using a loan are:

  • Most personal loans (such as our medical loan) have a fixed rate and and fixed amount of time to repay it over. This helps because;
    • you will be able to budget for the exact amount you need to repay each fortnight or month. The amount can’t change and at Fair Go Finance we will set up a direct debit for you in line with your salary, so you’ll know exactly how much will be debited and when.
    • repaying a personal loan on time can help with your credit rating.


Is getting a loan better than using my credit card?

If you are thinking of using a credit card, please consider the following information to help you realise a medical loan is most likely to be your best option.

Firstly, let’s think about credit cards and their primary purpose.

Credit cards ideally should be used to pay for unexpected expenses/purchase needs and then be repaid within the month from your salary.

Using a credit card like this is definitely beneficial, as you won’t be charged any interest and you’ll have had the convenience of getting/paying for what you wanted/needed.

However banks and credit card issuers don’t make good profits this way. Their preference is that you spend up and not repay it straight away.

This is proven by the fact they don’t offer small personal loans to customers anymore, but instead will offer you a credit card.

Using a credit card for a bigger purchase, such as a big medical expense, means it will be unlikely you can repay the entire balance within one month.

So you will be charged interest for that month. And then interest on interest the following month, and so on until you completely repay it.

And even more worrying is if you only pay the minimum amount indicated on your statement. If you do this your debt could take years and years to repay and cost you thousands of dollars in interest charges.

If you’d like to know more about this, you can read our blog “Why choose a personal loan instead of a credit card”.

doctor and patient


Can I get a medical loan if I have bad credit?

At Fair Go Finance our medical loans are also available to people with different types of bad credit.

If you have bad credit, we recommend you obtain a current copy of your credit report to understand what event or events caused your bad credit.

From your credit report you can find out your credit rating (or credit score) which will also help determine if you are eligible to apply for a loan with us.

We will also check your affordability if you apply because as a responsible lender we want to ensure a medical loan is comfortably affordable for you.

What types of cosmetic surgery and other medical expenses can you lend money for?

We can provide finance up to $10,000 for every medical need!

Whether it’s a type of surgery such as cosmetic, plastic or elective, a non surgical procedure or a general health treatment our medical loans can be used for absolutely anything medical related.

Here’s a few examples – but the list is endless as we can help with everything!

  • Tattoo removal
  • Implants
  • Hair transplants
  • Reductions
  • Rhinoplasty/Facelifts/Botox
  • Body contouring
  • Weight loss procedures

Click here to read one of our fantastic customer stories where we successfully helped a customer access IVF treatment!

So if you are currently looking to finance a medical procedure, we hope you’ll consider a Fair Go Finance medical loan.

Our medical loans are easy to apply for online and as soon as you submit your information you’ll receive immediate notification if your loan is conditionally approved.

You’re welcome to use our personal loan calculator to get an idea of what your loan repayments will be and then click “GO” if you’re ready to apply!

Go forward with us!

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Are you eligible to apply?


It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:
For more information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.

Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
If you are on government benefits, ask if you can receive an advance from Centrelink.

The Australian Government’s MoneySmart Website shows you how small amount loans work and suggests other options that may help you.

* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.