Medical Loans Australia
Your health shouldn't wait. Whether you need dental work, cosmetic surgery, IVF treatment, or any medical procedure, we help Australians access the care they need with affordable finance. No waiting periods, no limits on which provider you use.
Finance Your Medical Care
Medical costs in Australia can be significant, especially for procedures not fully covered by Medicare or private health insurance. Dental implants, cosmetic surgery, IVF, and specialist treatments often come with bills of thousands or tens of thousands of dollars.
Medical finance lets you access the care you need now, spreading the cost over manageable monthly payments. Unlike private health insurance, there are no waiting periods - you can proceed with treatment as soon as you're approved.
Procedures We Finance
Common medical expenses we help Australians finance
Dental Work
Implants, crowns, orthodontics, veneers
$3,000 - $30,000
Major dental work often costs more than insurance covers. Finance the gap or the full treatment.
Cosmetic Surgery
Breast augmentation, rhinoplasty, liposuction
$5,000 - $25,000
Elective procedures rarely covered by Medicare. Finance lets you access quality surgeons.
IVF & Fertility
IVF cycles, egg freezing, fertility treatments
$10,000 - $50,000+
Multiple cycles often needed. Finance helps manage the ongoing cost of fertility treatment.
Vision Correction
LASIK, lens replacement, cataract surgery
$4,000 - $12,000
Life-changing vision correction. Finance both eyes in one treatment.
Weight Loss Surgery
Gastric sleeve, gastric bypass
$15,000 - $30,000
Long waiting lists in public system. Private surgery with finance gets you treated sooner.
Other Medical
Specialist consultations, scans, treatments
Varies
Any medical expense not covered by Medicare or private health. We can help.
Why Choose Medical Finance?
No Waiting Periods
Unlike private health insurance, there are no waiting periods. Get your treatment when you need it.
Access Better Care
Choose your surgeon or specialist. Don't be limited by what's covered or what you can afford upfront.
Fixed Repayments
Know exactly what you'll pay each month. Budget with confidence while recovering.
Fast Approval
Most applications approved within 24 hours. Don't delay treatment waiting for finance.
How Medical Finance Works
Four simple steps to financing your procedure
Get Your Quote
Get a quote from your surgeon or dental practice. Know exactly how much you need to finance.
Apply Online
Complete our simple 5-minute application. Tell us about your income and the procedure you're financing.
Get Approved
Most applications receive a response within 24 hours. We'll find options from 40+ lenders.
Proceed With Treatment
Once approved, funds can be paid directly to your provider. Schedule your procedure.
Comparing Your Options
Different ways to pay for medical procedures
Interest-Free Provider Plans
Some clinics offer interest-free payment plans directly. These can be good but often have conditions - shorter terms, fees, or limited to certain providers.
Consider: Compare the total cost including any fees against a personal loan.
Credit Cards
Interest-free periods can work for smaller amounts if you can pay off quickly. But ongoing balances attract high interest rates (18-22%).
Consider: A personal loan often has lower rates for amounts you can't pay off quickly.
Personal Loans
Fixed rate, fixed term, no surprises. Often the most cost-effective option for larger procedures or when you need longer to repay.
Consider: We compare 40+ lenders to find competitive rates for your situation.
IVF & Fertility Finance
Fertility treatment often requires multiple cycles, with costs quickly reaching $30,000-$50,000 or more. We understand how emotionally and financially challenging this journey can be. Our lenders offer flexible terms to help you focus on what matters - your family dreams.
Check IVF Finance OptionsMedical Finance FAQs
Common questions about financing medical procedures
Yes. We work with lenders who consider applications from people with various credit situations. Rates may be higher, but medical finance is often available even with past credit issues. A deposit or co-borrower can improve your options.
Medical loans typically range from $2,000 to $50,000+, depen...
Medical loans typically range from $2,000 to $50,000+, depending on your income and the procedure. For major treatments like IVF or weight loss surgery, higher amounts are available for approved applicants.
Yes. Once approved, we can arrange for funds to be paid dire...
Yes. Once approved, we can arrange for funds to be paid directly to your medical provider. This is common for larger procedures and gives your provider certainty of payment.
Typically we need proof of identity, proof of income (paysli...
Typically we need proof of identity, proof of income (payslips or tax returns), and a quote from your medical provider. The quote helps us understand the amount and purpose of the loan.
Medical loans are typically unsecured personal loans used fo...
Medical loans are typically unsecured personal loans used for healthcare expenses. The application and approval process is the same. Some lenders have specific medical finance products with tailored terms.
Most applications receive a response within 24 hours. For ur...
Most applications receive a response within 24 hours. For urgent procedures, same-day approval is often possible with complete documentation. Funds can be available 1-2 business days after approval.
Credit cards can work for smaller amounts you can pay off du...
Credit cards can work for smaller amounts you can pay off during an interest-free period. For larger amounts or longer repayment, a personal loan usually offers lower rates. Credit card rates of 18-22% are much higher than most personal loans.
Yes. If you have multiple treatments planned (e.g., dental w...
Yes. If you have multiple treatments planned (e.g., dental work plus cosmetic procedure), you can finance them together in one loan. This simplifies repayments and may get you a better rate on a larger amount.
Still have questions? Contact our friendly team