Medical Loans

A better you and no fees.

Looking after yourself or your family is key. Get the care you need, now, with a no-fees loan.

From 6.75 % pa Interest rate
From 6.75 % pa Comparison rate*

The treatment you need without nasty side effects.

You can’t put a price on good health. So let your NOW Finance personal loan advisor walk you through the application process and get the funding you need ASAP.

No fees

Forget about fees. Our personal loans are fee-free, forever. No ifs or buts about it.

Uniquely yours

Like a custom-tailored suit, your rate is made just for you. Get your personalised quote in less than 2 minutes.

VIP service

You’ll have a dedicated personal loan consultant to steer you through the entire process.


Our loans are fair and personal

If you’re eligible and approved, you’ll have that money in your hands in as little as 24 hours.

You can choose a fixed term from 18 months to 7 years. But if you’d prefer something flexible, you can do that too.

PurposeMedical Loans
Interest RateFrom 6.75% p.a. (Unsecured)
From 6.75% p.a. (Secured)
Comparison RateFrom 6.75% p.a.* (Unsecured)
From 6.75% p.a.* (Secured)
Loan Amount$5,000 – $50,000 (Unsecured)
$15,000 – $100,000 (Secured)
Loan Term18 months – 7 years
Loan Fees$0 – No Fees
Upfront Fees$0
Early Exit Fees$0
Missed Payment Fees$0
Ongoing Fees$0

1. Get your rate

It takes 2 minutes to get your personalised quote without impacting your credit score.

2. Apply online

Complete your online application and get a response in 2 minutes.

3. Money in your account

Access your funds within 24-48 hours of being approved.


The people’s choice

With more than 1,700 5-star reviews, you won’t be the only one loving your loan.

Really quick turn around, better interest rate than my previous bank, a very uncomplicated process with a team that looked after me every step of the way.


Darren loves NOW Finance

Personalised rates and personal service. Darren shares his experience with NOW Finance.

Get your personalised quote today


Medical Loans, explained

Medical loans can be used for:

  • Bariatric services (gastric bypass and other weight-loss surgeries)
  • Cosmetic surgery
  • Dental treatment and orthodontics
  • Fertility treatment
  • Hair replacement surgery
  • Hip and knee surgery
  • Laser hair treatment
  • Laser eye surgery
  • Medication
  • Obstetrics
  • Orthopaedics
  • Rehabilitation

Please note that medical loans are not medical practice

You can borrow from $5K to $50K for an unsecured loan or up to $100K for a secured loan. For a secured loan, you’ll need to use an asset, such as your home or a car, as security.

Yes. You can use a NOW Finance medical loan for elective surgeries such as cosmetic surgery and plastic surgery for the face and body.

Yes. Many dental procedures are costly; that’s why you can use a medical loan to help pay for them. Medical loans are commonly used for dental work such as crowns, veneers, bridgework, implants and dentures — in emergencies and otherwise. Medical loans also cover orthodontics like plates, braces and aligners.

Medical loans generally have terms ranging from 18 months to 84 months (7 years).

No. You need a different type of personal loan for medical school. A student loan covers education expenses, including medical school costs. When you apply for a personal loan, you have to explain what the money is for. At NOW Finance, we match you with the right personal loan.

What should I know about a NOW Finance medical loan?

Treating health problems as soon as you become aware of them is vital for your long-term wellbeing. However, many people worry about the costs of hospital and medical bills so delay getting the treatment they need when they need it. If that’s the situation you find yourself in, then a medical loan could be the right solution for you.

At NOW Finance, we offer medical loans in Australia to cover medical and dental expenses. Whatever your health issues, NOW Finance can help with the financial side.

What is a medical loan?

Medical loans are a type of personal loan. They are used to help pay for medical procedures and other medical expenses, such as medication and equipment. Dental costs are also covered by medical loans in Australia.

When you receive approval for a medical loan, you use the money to cover your medical or dental bills. You must repay the loan, plus interest, in fixed instalments over an agreed timescale.

Using a personal loan to pay for your medical costs is an excellent way to take care of your health. You stand a much better chance of improving your overall health and well-being by getting timely medical care. In turn, this will enhance your quality of life.

Medical loans that take care of your expenses

Whether your medical or dental expenses add up to a big or small amount of money, NOW Finance can provide a medical loan for you. The amount you can borrow ranges from $5k to $50k for an unsecured loan or up to $100k for a secured loan. A secured loan means you’ll need to use an asset, such as a car, as collateral. Most medical loans are unsecured.

Use our eligibility checker now to see if you meet the criteria for a medical loan.

Looking after our customers

NOW Finance is not a bank. When you apply for one of our medical loans, you’ll receive top-quality customer care. Your loan journey will be met with friendly, professional, hassle-free service at all stages. It could be more expensive when you take out a bank loan for medical treatment, especially if you end up paying excessive fees on top of your loan.

With NOW Finance, you’ll also have your own personal loan advisor who’ll be available to guide you through all the steps of the loan process, from the application phase through to settlement and beyond. Your personal loan advisor will be ready to answer any questions you may have about your medical loan at any time.

We pride ourselves and stride to supply a more personal service compared to when you try and acquire a bank loan for medical treatment.

Learn more about how it works.

Competitive interest rates for medical loans

NOW Finance offers competitive interest rates on medical and dental loans in Australia. Getting a competitive interest rate is crucial because you may need some time to get back on your feet after a medical procedure. Your earning capacity may be reduced for a while. The less interest you have to pay, the better your financial and mental health.

No fee medical loans

There are often many unpleasant surprises when it comes to fees and charges for medical and dental care. The same is not true of NOW Finance medical loans.

We have no fees. Our comparison rates are the same as our interest rates. If you’re comparing medical loans between different lenders, you’ll find that NOW Finance has no hidden fees. That means no establishment fees, no monthly fees, no fees for extra repayment fees and no early repayment fees.

Why NOW Finance? Because we take it upon ourselves to make getting a medical loan a more comfortable alternative to getting a bank loan for medical treatment.

Award-winning personal loans you can trust

Just as it’s important to choose the best medical care you can afford, it’s also essential to choose the best lender for your medical loan.

NOW Finance has won a handful of InfoChoice Banking Awards and multiple Mozo Experts Choice Awards for personal loans. We’re also highly rated and reviewed by our customers on Trustpilot and Product Review.

Contact us

Don’t delay getting the medical or dental treatment you need because you’re worried about financial hardship. Call NOW Finance today to learn more about our medical loans in Australia.

Ready to make your next move?

Get your personalised quote in 2 minutes