Medical loans - finance for medical expenses
From dental to emergency surgery, life sure is full of ups and downs. Our no-stress medical loans can get you on your feet again in no time. Our quick online application only takes 6 minutes. If approved, your funds will be deposited within 15 minutes. Apply now!
)
)
Calculate your repayments
What this means...
- Interest Rate p.a.
- 29.90%
- Comparison Rate p.a.
- 41.64%
- Total Repayment
- $4,212.51
Minimum weekly repayment*
$81.01
Ready to get started? Get your personalised rate and repayments without impacting your credit score or see our rates & fees
*Includes an interest rate of 29.90% (Comparison Rate of 41.64%). 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.
Quick and easy medical loans
Dealing with medical treatments can be stressful enough—worrying about how to pay for them shouldn’t add to that stress. With a medical loan from Fair Go Finance, you can spread the cost of any procedure. Whether you need an emergency surgery loan, a small loan for dental work, or a large loan, our medical loans are designed to support your needs. Our quick and secure online application process ensures you get the funds you need without the hassle.
)
Medical loans rates, fees and features
Our approach to lending is transparent and fair. And if you’re approved for one of our medical loans, you’ll get access to your cash the same day.
Learn more about our loans and interest rates below.
Rates (APR), fees & features
Small Amount Loans
Read More: Small Amount LoansMedium Amount Loans
Read More: Medium Amount LoansLarge Amount Loans
Read More: Large Amount LoansFor 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.
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.
How Fair Go Finance can help with a medical loan
Our medical and dental loans are tailored to cover a wide range of medical expenses and healthcare costs, designed with your needs in mind. The process is fast, simple, and 100% online, ensuring you get the financial support you need—whether it's for a medical procedure, dental treatment, or emergency medical loan. With a quick turnaround, we’re here to help you manage out-of-pocket medical costs and get you feeling your best again, stress-free.
What type of medical procedures do people use a medical loan for?
Medical Procedures:
Elective surgery (e.g., knee or hip replacements)
Cosmetic surgery (e.g., rhinoplasty, breast augmentation, liposuction)
Fertility treatments (e.g., IVF)
Bariatric surgery (e.g., gastric bypass, sleeve gastrectomy)
Orthopaedic surgery (e.g., spinal fusion, ACL reconstruction)
Cardiac procedures (e.g., heart surgery, angioplasty)
Cancer treatment (e.g., chemotherapy, radiation therapy)
Eye surgery (e.g., LASIK, cataract surgery)
Psychiatric treatment (e.g., inpatient mental health treatment)
Dermatological procedures (e.g., mole removal, skin cancer treatment)
Weight loss surgery
Rehabilitation treatments (e.g., physiotherapy, occupational therapy)
Diagnostic tests and scans (e.g., MRIs, X-rays, blood tests)
Pain management treatments
Emergency medical care (e.g., trauma surgeries)
Dental Procedures:
Braces or orthodontic treatments
Dental implants
Root canal treatment
Wisdom teeth removal
Cosmetic dental procedures (e.g., veneers, teeth whitening)
Crowns and bridges
Dentures
Invisalign
Periodontal treatments (e.g., gum surgery)
Full mouth reconstruction
Oral surgery (e.g., jaw surgery)
Sleep apnea treatment (dental devices)
Emergency dental procedures (e.g., treatment for a knocked-out tooth)
Need a medical loan
Ready to begin? How to apply for a medical loan
Apply online in as little as six minutes. We’ll give you a personalised rate and payment terms that work for you.
)
We're with you
So why Fair Go Finance?
We want what’s best for our customers. And we show it every day with loans and service tailored to you.
)
Genuine customer service
Our genuine, down-to-earth team is here for friendly, helpful advice – and zero jargon.
Personalised pricing
We get to know your situation to craft a tailored rate just for you.
Credit score boost
Make timely repayments on an initial easy-to-manage loan to actively boost your credit score.
Check if you qualify
Learn how likely you are to get approved, with no impact on your credit file.
Interested in learning more?
Read on for commonly asked questions about our medical loans
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. Loans for bad credit are available to cater to diverse financial situations and urgent needs.
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.
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.
A medical loan is a type of personal loan specifically designed to help you cover medical expenses, including surgery, hospital stays, and other medical procedures. These loans can be a lifeline if you're facing unexpected medical costs, providing the necessary funds to ensure timely and effective treatment. Medical loans can be used to cover a wide range of medical costs, including those not covered by private health insurance, such as elective surgeries or specialized treatments. By offering financial assistance, medical loans enable you to focus on your health and recovery without the added stress of financial strain.
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.
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.
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.
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.
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.
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.
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.
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.
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
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.