Australia’s most accessible financial broker

Let’s talk loan details

Loan amounts

Up to $65,000

Loan terms

3, 5, and 7 years

Loan types

Secured and unsecured

Repayments

Weekly, fortnightly, and monthly

Interest rate

Fixed

Medical Loan FAQs

If you haven’t used a finance broker before, you probably have some questions. Let’s help you get some answers.

Are there loans for medical procedures?

Absolutely. You can find a loan for any type of medical procedure, including cosmetic, dental, physical or mental.

Learn more: dental loans

Can someone with bad credit get a medical loan?

Generally, you’ll want to have at least a ‘good’ credit score of 600 and above. Having a score below will limit your borrowing options. If you apply directly through a lender, you’ll need to do your research to make sure you meet their credit eligibility criteria before you apply.

The benefit of a broker is that they can find you a loan to suit your credit rating. So, even if you don’t have the best credit score they may still be able to help you finance your medical procedure or emergency.

Keep in mind that lower credit ratings usually come with higher interest rates due to the higher risk to the lender.

Can I get a loan for surgery?

Yes, a medical loan can cover your surgery costs up to $65,000.

What is the interest rate on medical loans?

The rates and fees associated with your medical loan will depend on your credit rating, lender, loan amount, and loan term.

Is it a good idea to take out a personal loan for medical expenses?

As with all loans, it will depend on your particular situation and needs. But out-of-pocket medical costs have increased over time. And because of this, many Australians find it necessary to seek out additional ways to cover the cost of medical bills.

Why choose Oceania Finance?

Large network of specialist lenders

Fast, friendly service with access to lenders nationwide. We have a solution for every credit rating – great, good, average or bad.

Tailored loan solutions

Everybody’s finance needs are slightly different. We don’t just get you any old loan. We work hard to get you the ideal loan and secure it on your behalf.

Friendly, local expertise

Oceania Finance is a team of local finance brokers, not a faceless corporation. We’re just Aussies helping Aussies get finance!

Large network of specialist lenders

Fast, friendly service with access to lenders nationwide. We have a solution for every credit rating – great, good, average or bad.

Tailored loan solutions

Everybody’s finance needs are slightly different. We don’t just get you any old loan. We work hard to get you the ideal loan and secure it on your behalf.

Friendly, local expertise

Oceania Finance is a team of local finance brokers, not a faceless corporation. We’re just Aussies helping Aussies get finance!

Our Process

Step 1

Submit basic information.

Step 2

One of our expert brokers contacts you for more information.

Step 3

We review lenders and negotiate to find the best loan for you.

Step 4

We file the application on your behalf.