Medical Loans
Personal Loan for Medical Expenses
Are you looking for a personal loan to cover the cost of medical procedures? Fair Go Finance offers medical loans up to $10,000 to help you finance unexpected medical expenses such as emergency treatment or surgery, IVF, and other hospital bills.
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Easy
Apply online for $500 – $10,000.
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Quick
It takes 6 minutes to apply.
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Responsible
Personalised rates and terms.
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
*Includes an interest rate of XX.XX% (Comparison Rate of XX.XX%). All prices are indicative and applications are subject to assessment. Fees and charges are payable. The Comparison Rate is based on an unsecured personal loan of $2,500 for a term of 2 years. 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.
Rates (APR), fees & features
| SMALL Amount Loans | MEDIUM Amount Loans | LARGE Amount Loans | |
|---|---|---|---|
| Loan Amounts | $500 - $2,000 | $2,050 - $5,000 | $5,050 - $10,000 |
| Average Term | 3 – 12 months | 7 – 19 months | 14 – 24 months |
| Typical Establishment Fee | $60 – $400 | $437 – $771 | $546 – $795 |
| Monthly Fee | $15 – $80 | $10 - $14 | $9 - $14 |
| Interest Rate Per Annum (APR) * | N/A | 23.31% - 29.90% | 21.90% - 25.90% |
| Comparison Rate ** | N/A | 50.05% - 65.88% | 27.54% - 33.80% |
*For our loans of $500 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.
**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 | $1,350 | $3,600 | $6,900 |
|---|---|---|---|
| Average Term | 8 months | 13 months | 18 months |
| Repayment Per Week | $48 | $90 | $119 |
| Establishment Fee | $265 | $627 | $595 |
| Monthly Fee | $50 | $11 | $14 |
| Interest Rate Per Annum (APR) | N/A | 27.49% | 21.90% |
| Comparison Rate | N/A | 60.61% 2 | 28.87% 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 24 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.
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 24 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
1
Apply Online
All it takes is 6 minutes with our smart online application form.
2
Accept Offer
If approved, accept your offer by electronically signing with a secure SMS code sent to your mobile.
3
Receive Finance
Real-Time Funding will make sure your funds are transferred as cleared funds so you can start using it sooner!
4
Personalised Support
If you need a little help with anything, simply talk to our support team.
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.
Genuine Customer Service
Real and caring consultants to help you go forward.
Funded in minutes!
Apply, approved and funded in as little as 6 minutes
Customised Pricing
Your credit profile is rewarded with tailored pricing.
Get more & pay less.
Save up to $115 on a small loan
Save up to $357 on a medium loan
Loyalty Rewards Program
Enjoy rate and discount rewards for your loyalty.
Rewarded on your return!
Returning customer gets up to $453 more on the second loan
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.
Genuine Customer Service
Real and caring consultants to help you go forward.
Funded in minutes!
Apply, approved and funded in as little as 6 minutes
Customised Pricing
Your credit profile is rewarded with tailored pricing.
Get more & pay less.
Save up to $115 on a small loan
Save up to $357 on a medium loan
Loyalty Rewards Program
Enjoy rate and discount rewards for your loyalty.
Rewarded on your return!
Returning customer gets up to $453 more on the second loan
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
Medical loans are a type of personal loan, the main purpose being to cover the cost of medical procedures, treatments, medical bills and other medical related expenses.
At Fair Go Finance, you can take out medical loans up to $10,000 which you can use to fund a wide range of healthcare services.
You can use your medical loan for any medical, surgical or healthcare treatment or procedure, including:
- Emergency loans for medical care
- Loans for hospital surgery or care
- Dental loans for dental care and treatments
- IVF and reproductive treatment loans
- Cosmetic or plastic surgery loans
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.
When you take out a medical loan, you can use it to cover any medical related purposes which includes IVF treatment.
At Fair Go Finance, 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.
Read about how we helped Mel and her partner with their IVF treatment.
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.
Find out more about getting a medical loan with a bad credit rating or call our friendly team on 1300 324 746 or contact us via live chat to find out how more about our bad credit loans.
- Apply online in less than 6 minutes. Our clever online application form is quick and easy to complete – apply from anywhere in Australia, anytime day or night.
- A little human touch may come into play. If your application isn’t given an immediate outcome, a friendly credit consultant will be in touch to confirm what they need clarified, or if there’s a different amount or product they can offer you.
- Get approved: If you’re offered a loan and you’d like to proceed, simply accept by electronically signing in the contract using an SMS code sent to your mobile phone.
- Receive your funds within minutes: We use Real-Time Funding to instantly transfer the funds to your account.
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.
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.
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.