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

Loan Calculator

How Much?

$500 $10,000

How Long?

6 months 36 months

Interest rate

19.9%

Total repayment

$3,871

Comparison rate from p.a.

44.2%

Min weekly repayment $72.48

Rates (APR), fees & features

SMALL
Amount Loans
MEDIUM
Amount Loans
LARGE
Amount Loans
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%

 

*For our loans of $300 to $2,000 an APR (Annual Percentage Rate) does not apply. For loans above $2,000 maximum APR is 48%.
**All prices are indicative for an unsecured personal loan and fees and charges are payable. WARNING: The comparison rate is true only for the example loan amount and term selected and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

 

EXAMPLES $1,100 $3,350 $6,600
Average Term 6 months 12 months 17 months
Repayment Per Week $61 $76 $100
Establishment Fee $199 $487 $564
Monthly Fee $39 $9 $10
Interest Rate Per Annum (APR) N/A 24.24% 18.59%
Comparison Rate 73.06% 1 50.50% 2 24.49% 3

 

1. Comparison Rate is based on an unsecured personal loan of $1,000 over a term of 6 months. Fees and charges are payable.
2. Comparison Rate is based on an unsecured personal loan of $2,500 over a term of 24 months. Fees and charges are payable.
3. Comparison Rate is based on an unsecured personal loan of $10,000 over a term of 36 months. Fees and charges are payable.
WARNING: This comparison rate is true only for the example[s] given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

How to Apply

Fair Go Finance Unique Selling Point

Apply Online

All it takes is 6 minutes with our smart online application form.
Fair Go Finance Unique Selling Point

Accept Offer

Once approved, accept your offer by electronically signing with a secure SMS code sent to your mobile.
Fair Go Finance Unique Selling Point

Receive Finance

Real-Time Funding will make sure your funds are transferred as cleared funds within 1 min, so you can start using it sooner!
Fair Go Finance Unique Selling Point

Personalised Support

If you need a little help with anything, simply talk to our support team.
Apply Online

Why choose Fair Go Finance?

We’ve been giving our customers a Fair Go since 2008.

We listen, adapt, innovate and grow with our customers so we can provide ongoing value to you.

Fair Go Finance Unique Selling Point

Genuine Customer Service

Real and caring consultants to help you go forward.
Funded in minutes!

Apply, approved and funded in as little as 15 minutes

Fair Go Finance Unique Selling Point

Risk Based Pricing

Your credit profile is rewarded with tailored pricing.
Rewarded on return!

Save up to $115 on small loan
Save up to $357 on medium loan

Fair Go Finance Unique Selling Point

Mates Rates Loyalty Program

Enjoy rate and discount rewards for your loyalty.
Get more & pay less!

Returning customer gets up to $453 more on the second loan

Fair Go Finance Unique Selling Point

Boost Your Credit Score

Improve your financial future by repaying your loan with us.
Good credit, not bad!

65% of our customers enjoy a 42 point increase to their credit score.

How can we help you?

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

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 Online

See what our customers are saying

Read all reviews

Are you eligible to apply?

  • I am 18 years or older
  • I have not entered into bankruptcy or part 9 agreement within the last 6 months
  • I am willing to provide my Bank Statements online
  • My income is not solely from Centrelink
Please note: Bank statements can only be submitted via our secure online service.

Notice

Please be aware our phone lines are temporarily down. Whilst they are being fixed, please contact us either via our Chat function or you're welcome to email us at apply@fairgofinance.com.au and we will be happy to assist you. We apologise for the inconvenience and hope to have this rectified soon.