Medical loans up to $5,000 Australia. Apply now!

Finding out that you need an unexpected medical procedure is always hard to deal with; even more so when you have to worry about the cost as well. If you’re in need of medical loans to cover expenses then look no further than Nifty Loans. We offer fast loans, no fuss!

Here at Nifty Loans we understand that life can sometimes throw you curveballs out of the blue. No matter how careful you are, there will always be things that you can’t plan for.

That’s why we are happy to offer loans for medical procedures – because we believe everyone deserves a helping hand when the going gets tough.

Unlike our some competitors, we won’t treat you like another number. We care. And during such a difficult time as an unexpected medical expense, it’s this care that sets us above other lenders.

What are medical loans Australia?

They are small loans offered to customers in Australia who need some help to pay their medical bills.

Repayment terms can vary but are usually between 3-24 months and amounts are usually from $300 – $5,000.

If you need some quick cash to cover the cost of your medical procedures, then medical loans Australia are right up your alley.

How do I apply?

Here at Nifty Loans, we’re all about making things as quick and easy for you as possible.

Gone are the days where you’d have to go to the bank just to apply for a loan – with no guarantee of actually getting your application approved.

We do 100% of our applications and processing online – so you don’t have to deal with pesky appointments, long queues and judgmental bank managers! We don’t even want to think about the mad rush from work to the bank at the end of the day to try and get there on time!

Not only is this way more convenient for you, but it also allows us to be more flexible and competitive than most traditional lenders. That way we can offer more to you, our customer! Everyone’s a winner!

Still not sold on taking out finance with us? Well if you apply for a loan during our business hours, we’ll aim to have your application processed within 60 minutes! We’re not called Nifty Loans for anything!

If it does take us a touch longer than the 60 minutes to assess your application, don’t worry too much, we probably just need some further information or documentation from you! If you submit your application outside of business hours, we’ll get onto it first thing the next business morning.

Do you do credit checks on your medical loans?

Yes, we do!

If you’ve got bad credit, you might be tempted to look for a no credit check loan. As a responsible lender, we do credit checks for all our loans. If you’re worried that your credit score will affect your loan application, don’t panic! Unlike a big bank, we won’t judge you just based on your credit score. When we process your application we take a bunch of different details into account – your credit score is just one of them.

We offer medical finance because we understand that sometimes life can take unexpected turns. We know unexpected bills can be stressful, that’s why we’ve made our application as easy and as seamless as possible.

Can I get a Nifty medical loan if I have had bad credit?


No one’s past is perfect, and we believe that your past shouldn’t hurt your future. We’re firm believers that a credit score isn’t the be all and end all and we want to give everyone a fair go.

We understand that medical bills can get out of hand. After all, there are so many payments that you might not even think about before you go in for a medical procedure.

The difference between gaps charged by doctors and anesthetists alone are enough to give patients an unwelcome shock when it comes time to pay the bill. Some people have even turned to crowdfunding to pay for their medical expenses – imagine that!

You shouldn’t be forced to use crowdfunding sites just to pay for your medical bills. Why not check out one of our loans instead?

This is just one of the reasons why we offer 100% online, fast loans that are super easy to apply for.

Having bad credit doesn’t define you, and it’s why we don’t judge you purely based on your credit score. At Nifty Loans, we truly believe that everyone deserves a second chance.

We believe we can get a much better snapshot of your current relationship with money from 90 days of bank statements.

So if you’ve got bad credit, no worries, we may still be able to help you out! Apply today, we’ll process your application and get back to you as quick as we can!

Can I still get loans for medical expenses if I’m on Centrelink?

Of course!

Needing an unexpected medical procedure can hit anyone for six, but the bills that come with it can be especially hard for low-income earners to deal with.

And as we get older, we tend to need more and more medical procedures and checkups. And that can be hard for pensioners!

Luckily, Nifty Loans has thought of everything.

If you’re receiving Centrelink payments then we accept those as income, as long as they’re consistent and reliable. So whether you’re unemployed and receiving Centrelink benefits, a retiree receiving a pension, or any other permanent payments, we’ll do our best to help. So, apply for one of our loans to help you out of a tight spot!

How do I get loans for medical expenses and procedures?

That’s easy!

To get your application underway all you need to do is head to the top of this page and hit the APPLY button. From there you can fill out our super-fast application form – which usually takes just minutes to complete! Then we can start to process your application.

After you have lodged your application it will be sent to our assessment team. If you apply during our business hours, a member of our team will assess your application and try to get you an outcome within 60 minutes. If we require further documentation it may take a bit longer though.

If your application is approved, you will be sent a formal contract. Give this a good read, digitally sign it and we’ll release the cash into your bank account quick smart! Times may vary depending on the speed of your bank, but you should have your funds overnight at the latest.

We know you’ll want to deal with those bills right away, so we don’t mess around!

How do I repay my medical loans?

If you thought our application was a breeze, then good news – you’ll find repayment even easier!

We will set you up with a direct debit that will automatically come out of your account on a day that we’ll agree with you. This way you can line up your debits with your payday, so you always have enough cash to make the payment. You won’t have to worry about a thing!

Once you repay your loan in full, then the direct debit will automatically stop. No need to call or book an appointment just to cancel your payments. When you repay your loan, the payments stop – no hassles. It really is that easy!

Do you charge any fees for paying off my loan early?

No way!

Other lenders might charge you if you decide to pay off your loan early. Where’s the sense in that?

Not us! Why would we punish you for being good with your money?

When you choose Nifty Loans, you can be sure that there are no penalty rates for paying out your loan early.

In fact, paying out your loan earlier may save you money on fees! Can’t beat that!

What if I have ongoing medical bills? Can I get another loan at the same time?

Sometimes medical expenses can really stack up. At first, you just have to deal with one medical procedure. But then more tests and checkups crop up, and all of them cost more money. It’s better to be safe than sorry, but it sure isn’t cheap!

That’s where Nifty Loans can really help. We don’t offer multiple loan opportunities at the same time so that they don’t become too much to handle. However, you are more than welcome to apply for an entirely new loan once you complete the repayments on your current loan.

If medical bills are hurting more than your injury, apply today and we’ll do our best ot help.

Nifty Loans are here to help! We are an Australian company with super helpful, local customer service representatives who will be happy to answer any questions you might have. Give us a call today on 1300 471 328.

Otherwise, you might find an answer to your question at the Australian Government MoneySmart website.

Don’t let medical expenses stop you from living your life. Take out one of our medical loans Australia with Nifty Personal Loans NOW! We’ll get you sorted fast, so you can focus on the road to recovery!

Let Nifty give you the low down on bank loans.

Want to read more? Nifty has all the details you need to read on emergency loans for bad credit.

Who can apply?

18 Years and Older Can Apply For Loans

You're at least 18 years old

Personal Loans Australia

You're an Australian Citizen or Permanent Resident.

Emergency Cash Loans When Earning an Income For More Than 3 Months

You've been receiving a regular income into a personal bank account for at least 3 months.

Our Money Lenders Will Be In Contact

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

Quick Small Loans - Borrow Money Now
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**

Small Loan Example

Loan amount:$1,000
Terms:6 Months,
(24 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$60.00

Medium Loans

$2,001 - $4,600

Medium Loans In An Hour Once Approval Has Been Confirmed
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
Monthly Fee:$0
Comparison Rate:65.86%**

Medium Loan Example

Loan amount:$2,500
Terms:24 Months,
(104 weekly repayments)
Establishment fee:$400
Total other fees:$1,609.44 (reducing interest)
Total payable:$4,509.44
Weekly installments:$43.36

Large Loans


Get Fast Money Today - Small to Big Cash Loans
Loan amount:$5,000
Terms:13 - 24 months
Establishment fee:Variable
Monthly Fee:$0
Comparison Rate:48%**

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
Total Interest:$1,897.54
Total payable:$6,897.54
Weekly installments:$88.43

* Not applicable. Small loans do not charge an annual interest rate.

** WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Different loans may include other payable fees and charges. All fees and charges will always be displayed on your loan contract.

Who we've helped

Fast Cash Loans Australia With A Good Reputation
Nifty Peronal Loans Customer Reviews

Best small loan company!

"Nifty is by far the best small loan company! No hassle, no fuss, no back and forwards- just straight to the point... or should I say money! I have recommended nifty to all of my family and friends for those unexpected times and I know they will have a great experience like me."

- Jayjay101


Types of loans