Dealing with any medical or dental treatment can be hard. Paying for it can be even harder. But with a medical loan, you can spread the cost of any medical, dental or surgical procedure, treatment or care. And our online application process makes it quick, easy and secure.
From emergency loans for surgery, to small loans for cosmetic dental work, to long-term loans for IVF, our customers across Australia take out medical loans for a host of reasons. And they trust us to do the right thing. That’s how we’ve grown to become one of Australia’s largest non-bank personal loan providers – by looking after our customers.
What does that mean? It means personalised rates to minimise your borrowing costs. It means tailored terms to ensure you can manage your repayments without putting yourself under undue stress. And it means rewarding you with even better rates and discounts on your next loan.
|Loan Amounts||$300 – $2,000||$2,050 – $5,000||$5,050 – $10,000|
|Average Term||1 – 12 months||6 – 24 months||9 – 36 months|
|Typical Establishment Fee||$0 – $400||$394 – $771||$536 – $662|
|Monthly Fee||$0 – $80||$9||$10|
|Interest Rate Per Annum (APR) *||N/A||17.20% – 29.90%||15.92% – 19.90%|
|Comparison Rate **||40.08% – 73.06%||39.61% – 64.52%||21.65% – 26.55%|
|Average Term||6 months||12 months||17 months|
|Repayment Per Week||$61||$76||$100|
|Interest Rate Per Annum (APR)||N/A||24.24%||18.59%|
|Comparison Rate||73.06% 1||50.50% 2||24.49% 3|
We listen, adapt, innovate and grow with our customers so we can provide ongoing value to you.
Apply, approved and funded in as little as 15 minutes
Save up to $115 on small loan
Save up to $357 on medium loan
Returning customer gets up to $453 more on the second loan
65% of our customers enjoy a 42 point increase to their credit score.
Medical loans are quick, easy personal loans of up to $10,000 that you can use for any medical, dental or surgical treatment or healthcare expense.
Assuming you’re approved for your medical loan, you can use your funds to cover or spread the cost of any medical or health treatment or procedure, whether it’s a medical emergency, elective surgery or ongoing care.
What’s more, as one of Australia’s largest non-bank personal loan lenders, we’ve used all our finance and tech smarts to make applying for your loan quick and easy. See for yourself. Apply for a medical loan online – you’ll have a conditional decision in minutes.
You can use your medical loan for any medical, surgical or healthcare treatment or procedure, including:
You can apply for a medical loan online in minutes. It’s quick, secure and easy. And assuming you’re approved, you’re then free to use your medical and dental loan however you want.
We even offer medical loans for your furry family members. Read about our vet loans.
Absolutely. We’ve helped many customers cover and spread the cost of their IVF treatment – we’re here to help you secure the finance you need to do everything you want in life, including having a family.
Yes, you can. A significant proportion of the medical loans we provide are actually dental loans, ranging from loans for emergency dental care to loans for cosmetic dental treatments.
In fact, we provide cosmetic surgery loans for teeth whitening, veneers and orthodontal treatments, not to mention plastic surgery. Read more about our cosmetic surgery loans.
If you’re considering a cosmetic procedure, whether for medical reasons or purely cosmetic ones, you can take out a medical loan to cover and spread the cost of your treatment.
Learn more about our cosmetic and plastic surgery loans.
To apply for a medical or dental loan, you’ll need to be at least 18 years old and a permanent Australian resident. You must also be in regular paid employment.
If that’s you, you can use our online application process and our free and secure bank statement service to apply for anything from $500 to $10,000. It’s quick, secure and easy – you’ll get a conditional decision from our smart system in minutes.
If you have a less than ideal credit rating, it may affect the amount of money you can borrow, but rest assured we’ll try to find a way to help you get the cash you need to move on with life and get your credit history back on track. Call our friendly team on 1300 324 746 or contact us via live chat to find out more about our bad credit loans.
While the amount you’re able to borrow depends on your financial circumstances, you can apply for anything from $500 to $10,000 with a medical loan. And it only takes a few minutes.
See for yourself. You can apply for a medical loan right now and get a conditional decision from our smart system almost instantly – a reassuring thought, especially if you need an emergency medical loan.
It’s quick and easy. But remember, we’re here to help if you run into any problems. Contact our friendly team on 1300 324 746 or via live chat.
Our medical loans range from $500 to $10,000, with fixed interest rates that ensure you know upfront what your repayments will be.
It’s all part of our responsible lending commitment. We’re always open and transparent. No hidden charges. No changes to your repayments. No early payout fees.
As with all our personal loans, when you’re approved for a medical or dental loan we’ll personalise our rates and terms to minimise your borrowing costs and the pressure on your household budget.
So, while we offer flexible repayment terms up to three years, we’ll work with you to structure your loan so it works for you. Call our friendly team on 1300 324 746 or contact us via live chat to find out more.
It depends on your situation, but we help a lot of people who have a less than ideal credit rating get the medical or dental loans they need to get on with life and get their credit history back on track. That’s why we offer highly competitive bad credit loans.
As one of Australia’s largest non-bank personal loan providers and a responsible lender, we’re here to help you in any way that we can. We believe everyone deserves a fair go, so if there’s a way for us to help you secure the loan you need, we’ll find it.
Start your online application and see for yourself. And remember, if you run into any problems with our online application or have any questions about the approval process for our personal loans, we’re here to help. Call our team on 1300 324 746 or contact us online via live chat.
How much you are eligible to apply for will depend on your current financial circumstances and requirements. As a Responsible Lender we want to make sure your loan is affordable for you, so we will always need to complete your assessment first before we can provide you with the loan amount you’re eligible for.
Our loans are based on your individual and current financial circumstances. Until we receive your application and your bank statement information, it is not possible for us to guarantee you will be approved. You may wish to read our blog which provides some helpful tips on improving your chance to get a loan.
Our loan repayments vary depending on the loan amount, the loan term and the interest rate. You can use our loan calculator as a guide, however because we tailor our rates to your unique credit profile, we will not be able to confirm any repayments until your assessment is complete.
The interest rates for our loans are calculated using risk-based pricing, which simply means the better your credit rating, the better the interest rate you can be eligible for. We won’t be able to confirm what interest rate you may be eligible for until your assessment is complete, however you can see the range of our interest rates for our personal loans here.
The usual waiting time to receive your loan application outcome is between 24-48 working hours.