Want a medical loan that’s good for your financial health?

Quick, easy, responsible loans up to $10,000 for any medical, dental or emergency treatment or care.

  • Easy. Apply online for $500-$10,000.
  • Quick. Get a provisional decision in mins.
  • Responsible. Personalised rates and terms.

How Much?

$500 $10,000

How Long?

6 months 36 months

Interest rate

19.9%

Min weekly repayment

$72.48

Comparison rate from p.a.

44.2%

Total repayment

$3,766

How it works

With no early payout fees, our short term loans are perfect if you need a quick cash stopgap. And because our low interest rates are personalised, they’re highly competitive, whatever your credit rating.

Apply in Minutes

Choose your $500-$10,000 loan and apply online.

Get a Decision

We'll contact you, verify your details and give you an answer.

Receive your funds

Sign your contract and receive your funds overnight.

How can we help you?

Below you’ll find answers to the most frequently asked medical loan questions

Apply Online

Quick and easy medical loans and dental loans.

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.

Small Amount Loans

 

Loan Amounts

$500 – $2,000

 

Average Term

5 Months

 

Typical Establishment Fee

10% – 20%

 

Monthly Fee

2% – 4% of Principal

 

Interest Rate Per Annum

0%

 

Comparison Rate

N/A

$500 repayment example

 

Average Term

3 – 6 months

 

Repayment Per Week*

$24 up to $52

 

Establishment Fee

$50 – $100

 

Monthly Fee

$10 – $20

 

Interest Rate Per Annum

0%

 

Comparison Rate

N/A

Medium Amount Loans

 

Loan Amounts

$2,250 – $5,000

 

Average Term

8 Months

 

Typical Establishment Fee

$360 – $695

 

Monthly Fee

$5

 

Interest Rate Per Annum

17.9% – 29.9%

 

Comparison Rate

36.64% – 53.12%

$2250 repayment example

 

Average Term

3 – 18 months

 

Repayment Per Week*

$39 up to $220

 

Establishment Fee

$360 – $460

 

Monthly Fee

$5

 

Interest Rate Per Annum

17.9% – 29.9%

 

Comparison Rate

36.64% – 53.12%

*Repayments per week depend on affordability.

Minimum loan term 3 months. Maximum loan term 12 months. For our loans of $500 to $2,000 an APR (Annual Percentage Rate) does not apply. For loans above this amount maximum APR is 48%.

How have we made medical loans easy?

By using all our finance and tech smarts to streamline the application process. It’s 100% online and our smart system will give you a conditional decision in minutes.

Apply Now!

Are you eligible to apply?

  • I’m 18 years or older
  • I’m employed (not self-employed)
  • I’m paid $500 or more a week into my bank account
  • My income is not solely from Centrelink
  • I’ve not entered into bankruptcy or part 9 agreement within the last 12 months

WARNING - DO YOU REALLY NEED A LOAN TODAY?*

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.
https://www.humanservices.gov.au/individuals/online-help/centrelink/apply-advance-payment-your-centrelink-online-account

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.