Medical Loans

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Medical loans to fit your needs.

Compare lenders, loans and rates with our simple 3 step application

$5000

Loan Amounts

1 - 7 Years

Loan Terms

Credit Protect

Find out your qualifying rate

At iCREDIT, we understand that prioritising your health and well-being with medical treatments and procedures is a significant goal for many.

That’s why we specialise in offering tailored financing solutions to make your healthcare aspirations a reality.

Our expertise in medical loans ensures that you can focus on your well-being without worrying about the financial burden. With iCREDIT, you can take steps toward a healthier future, knowing that we’ve got you covered with the right financial support.

Explore our range of loan options, and let us assist you in achieving the health and well-being you’ve always desired.

MEDICAL LOANS FOR

Cosmetic 

Dental

Eye 

Bald man with hairbrush in green shirt promoting hair replacement surgeryHair

Augmetation / Reduction

Audiology

ENT 

Obstetrics

Type of Loans Available

Personal Loans With Security

Information

Secured personal loans use an unencumbered asset such as a car, boat, caravan or motorbike as security for the loan. A Secured Personal Loan can help in borrowing higher loan amounts as this provides comfort for the bank as it helps reduce their overall risk.

Unsecured Loans

Information

Unsecured personal loans offer flexibility with loan terms ranging from 1 – 7 years. Unsecured personal loans can start from $5000 to $60000.

COMMON QUESTIONS

What are medical loans?

Medical loans are personal loans specifically designed to cover healthcare and medical expenses, including procedures, treatments, surgeries, and related costs.

How do medical loans work?

Medical loans work like typical personal loans. You borrow a specific amount, and then repay it in fixed monthly installments, often with interest, over an agreed-upon term.

What medical expenses can be covered by these loans

Medical loans can cover a wide range of healthcare costs, including elective surgeries (e.g., cosmetic, laser eye, hair), dental work, fertility treatments, and other medical procedures.

Are medical loans unsecured?

Medical loans can be either unsecured or secured, depending on the lender and your creditworthiness. Unsecured loans do not require collateral.

How does the loan approval process work for medical loans?

To apply, you typically submit an online application and upload supporting documents to iCREDIT. Generally we can have an answer for you within 2 business working days. Your creditworthiness and ability to repay the loan will determine approval and the loan terms.

What should I consider before getting a medical loan?

Before getting a medical loan, assess your credit, compare loan offers, understand the interest rates and fees, and make sure the monthly payments fit within your budget. 

Can I borrow for an overseas medical procedure?

Yes, as long as the loan is being used for a worthwhile purpose, you can use the funds for international procedures.

Apply for a Medical Loan

CALCULATE YOUR REPAYMENT

Loan Amount
$5000 $250000
Loan Term
12 months84 months
Interest
7.99%19.99%

■ Loan Principal ■ ■ Interest

Loan Amount:
Loan Term:
Per Month*:
Int Rate:
Total Interest:
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*Finance subject to approval, including the application of applicable lending criteria. Terms and Conditions apply. Fees and Charges are payable. Credit assistance provided by iCREDIT Australian credit licence 499023. ^Comparison rate for Secured Loan is calculated on a loan amount of $40,000 secured over a term of 7 years based on monthly repayments. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. **. Interest Rate: 7.99% Comparison Rate: 8.71%

A quicker, hassle free lending journey

Experience the ease of our straightforward 3-step process, ensuring you access your funds without delay.

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Complete your application online in less than 5 minutes.

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Upload your supporting documents

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Once approved – Review your loan offer and accept online

Why Choose iCREDIT?

We simplify your medical loan journey. No matter your needs or financial situation, we’re here for you. With national buying power, we negotiate competitive and affordable medical loan rates to support your well-being

We’ve helped thousands of Australians find their loan.

I’ve used icredit for multiple loans and Scott has been nothing but professional, fast and amazing to work with. Can’t recommend them enough.
Fraser G.
I would like to thank Kim Shelverton for her assistance in getting my car loan.Kim is very friendly and professional it was a pleasure to deal with her.It was easy to get in contact with her no matter the time. I would recommend Icredit if you are looking for a a car loan.
EVA S.
Easy to deal with and very friendly staff. Fast turnaround time getting loans sorted
Daniel J
I cannot recommend Scott from credit enough! This is the second loan in a year Scott has helped me with and I couldn’t be happier with the service he provides.Nothing is too much trouble and my experience both times has been hassle free! Thanks Scott and Team!!
Racquel L.
Excellent customer service and extremely quick with the whole process.
Daniel P.
Friendly, knowledgeable and easy to deal with. Everything advised, you know what you need to provide and updates are provided throughout the process. They will even deal with the dealer direct to save you being the middle man. Approval and documents ready to sign within hours.
Meagan A.
I got my car loan processed and approved super quick, without any issues.AMAZING AND PROFESSIONAL
Eliza C.
Matt at iCredit has been awesome. The application and approval process was easy and very quick and the communication from Matt great.I would highly recommend this Company for their pain free and fast service.
Kerry S.
Highly recommend the team at icredit very helpful with getting a loan.
Amanda B.
Great people to deal with, Scott helped us out so much for a fast result couldn’t be happier
Wayne W.
I can’t recommend Christine at iCREDIT enough. She went above and beyond for us to make sure we got the product we were after. She made the process so easy and at rates better than our bank. Thanks Christine!
Kim D
Emily fromICREDIT was most helpful very easy to contact at all times for any help at any time couldn’t recommend her enough
casey H.
Can’t thank Emily enough, gorgeous person to deal with!! Patient and understanding Thankyou for the lovely service
Kiara T.
Glen Giggins from the icredit team recently helped with the finance for the purchase of our brand new gooseneck through Peaceland Horse Floats and Goosenecks and he was wonderful!!! he made the whole process so easy and went above and beyond to ensure we got the lender that met our needs. Both Glen and the services he provides are Highly recommended
Tahliah P.
Big Thank you to Glen Giggins for helping me refinance my home loan. Thank you for your patience and keeping me informed during the tedious process. I have a much better interest rate and lower mortgage repayments! Cannot recommend Glen highly enough!
Jade L.
Awesome customer service and managed to get me a great rate on my personal loan. Highly recommend contacting the team at iCredit for your lending needs.
Steve W.
A big thank you to Christine. Help me get my new 4WD Patrol within days at a better interest rate than the banks. Simply and stress free process. Cannot thank her enough.
Johnny O.
Julie was professional and easy to talk to from the outset of our enquiry. She understood our needs and did a fabulous job finding the right loan for us. We had approval within hours and settlement within 3 business days. It was an easy and wonderful experience and we would recommend her services to anyone looking for a professional, experienced and skilled broker.
Anieve J
Kim Shelverton made the entire process so effortless and less stressful, nothing was an issue for her, she is very friendly and helpful. Thank you Kim for all your help.
Paul M.
Jay T.
Kim and Scott were so accommodating and helpful and kept things smooth sailing the way through! They were patient and friendly 🙂
Teresa W.
Great service & made so easy. Fast
Rebekah C.
Glen Giggins from the icredit team recently helped with the finance for the purchase of our brand new gooseneck through Peaceland Horse Floats and Goosenecks and he was wonderful!!! he made the whole process so easy and went above and beyond to ensure we got the lender that met our needs. Both Glen and the services he provides are Highly recommended
Tahliah P.
I cannot recommend Christine from iCredit highly enough. I had been dealing with another broker who had done nothing but talk for 2 weeks before I called her. It was a complicated loan because of self-employment and the fact I had borrowed nothing from anyone in 12 years. Christine was onto it asap and got it all done within a week. Everyone happy; No tears.
Rondell J.
I would highly recommend Christine from iCredit. She is extremely professional in her work and always succeeds to beat any other competitors rate. She will go out of her way to listen and care for your needs in a loan. We have used Christine for various loans over the past few years and will continue to do so for years to come. Thanks Christine, you are a true gem!
Nathan
Many thanks to Kim for her prompt and professional service organising finance for a machinery purchase. Nothing was too much trouble for her ,she made the whole process smooth and hassle free. Great job Kim , I will certainly recommend your services to anyone looking to make finance an easy experience
Paul M.
Good afternoon please I don't understand this app again you use auto debt to debt from account the sum of 36920 and you still asking me to pay please Check ur record well
Adekunle A.
Scott from iCredit was fantastic to deal with when we purchased our new horse float. He made everything so easy and nothing was too much trouble. Highly recommend dealing with this company.
Tina R.
Doing business with Kim was a breeze. Kept me informed throughout the process. Highly recommended 👌
andrea M.
Christine at ICredit is Amazing she went above and beyond to help us. I can honestly say i don"t think i have had better service and care anywhere ever! All times of day of night Christine was offering to help. Thank you Christine you made ta stressful process very enjoyable. Thank you , you a are Legend.
Cindy H.
Great service, very prompt from Kim in what was a slightly difficult situation, would highly recommend!!
Jason W.
Christine has been amazing. This time with our car purchase she got approved for us in just 2 days. Always positive and ready to help. Will definitely be going back for a 3rd time when we need help with our next finance request. Thank you so much Christine.
Heather B.
Christine from icredit was the only person i had dealt with that listened to exactly what i wanted, if it wasnt for christine, i wouldnt be driving my car, or be im a better position to be able to buy my first home in the next 2 years. Cant thank her enough and i give her a million stars, only deal with christine
Ethan L.
Very satisfied with the service - the speed of settlement was incredible and puts my bank to shame.Kim is friendly, knowledgeable and determined to make sure that everyone walks away happy from the experience.I'd give 6 stars if I could.
Steve H.
Kim is absolutely fantastic!She always had good communication during the process.Everything was quickNo words for her efficiencies and dedication .Well done Icredit to have such a valued team 😊
Yazmina L.
Thank you very much. Scott is the best
Laura C.
Absolutely awesome company. Scott was amazing, made the process so quick and easy as was always around to help when needed. Got the car I've wanted for ages and in the colour I wanted. 100% recommend when looking to buy a car like I was. Appreciate it Scott!
Molly M.
This is the 2nd time I've worked with Matt. He was recommended to me as he helped someone get a loan who might not have been able to.He's helped me get 2 cars so far and even my dealership was impressed at the speed at which he organised everything and settled the contract.I will continue to use Matt for all vehicle loans.
Ethan H.
Kim is extremely helpful and very good at what she does. Quite happily recommend her.
kellithorpe115
Christine From iCREDIT helped me get the car I wanted, she was so helpful and nice And it was quick, easy and low rate. She is absolutely fabulous at what she does, I highly recommend this lovely lady.
Alirra B.
Kim is a great help, friendly and helpful, makes it a lot easier than doing it alone.I will be using her when ever I need something
adam B.
Shout out and a HUGE thank you to Christine at ICredit. Christine managed to obtain my funding at an incredible rate when I wasn't even sure that I could get approval!!! First loans are difficult when you are young. She process my loan with amazing speed, walked me through the process with ultimate professionalism and dealt with the car dealer, lenders and insurer for me. Christine took away all the stress associated with borrowing money to finance a car and completely took care of everything for me. I cannot recommend her highly enough! If you are looking for finance, contact Christine. You will not be disappointed. Thanks Christine!
Brock L.
Lyn W.
derek S.
Todd B.
Kim was excellent to deal with working with me outside of business hours definitely helped to, will definitely be going back to Kim for any broker needs!
Maxwell B.
Lachlan S.
A big thank you to Christine. Help me get my new 4WD Patrol within days at a better interest rate than the banks. Simply and stress free process. Cannot thank her enough.
Johnny O.
very happy with the service Kim was very nice and very helpful thankyou
Jade R.
Christine was absolutely amazing with helping an making sure everything worked out ! Cannot thank her enough ! ?
sam F.
Big Thank you to Glen Giggins for helping me refinance my home loan. Thank you for your patience and keeping me informed during the tedious process. I have a much better interest rate and lower mortgage repayments! Cannot recommend Glen highly enough!
Jade L.
Christine helped us with our finance & we could not recommend her highly enough she answered every question we had went above & beyond to help us,Will be recommending her to everybody ! Thank you so much christene for the best customer service !
Hayley R.
Christine from iCredit is amazing! She goes above and beyond to help with getting the best interest rates and helps every step of process. Thanks to Christine I have an amazing new horse float and I can’t thank her enough! I wouldn’t hesitate to recommend her to anyone!
Jasmin P.
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PROS & CONS OF MEDICAL LOANS

PRO'S

Accessibility to Healthcare:

Medical loans provide immediate access to necessary medical treatments and procedures, ensuring that individuals can receive essential healthcare even if they lack sufficient savings.

Flexible Repayment:

They often offer flexible repayment terms, allowing borrowers to spread healthcare costs over time and manage their financial obligations effectively.

CON'S

Interest Costs:

You will pay interest on medical loans and personal loans. This can lead to increased overall healthcare costs. Borrowers need to consider the long-term financial impact.

 

Debt Accumulation:

Taking on medical debt through loans can lead to financial strain and impact credit scores if repayments become challenging. It’s crucial to assess one’s ability to manage the debt responsibly.

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