Medical Loans

How much cash do you want?
How long do you want it for?

Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.


The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%)

In need of medical loans Australia?

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 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?

Medical loans Australia 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-$4,600.

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 get one of your medical loans?

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 a medical loan 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 nothing!

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 we receive 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. However, if this sounds too good to be true, then it probably is. A lot of lenders that advertise no credit check loans are a bit shady, to say the least. The last thing you want when looking for a way to pay your medical bills is to worry about a crooked lender who doesn’t play by the rules!

They might add on further unexpected fees just to take advantage of you, leaving you even further out of pocket. A no credit check loan might seem like the best way to get money fast, but it’s much better to go with a lender you can trust.

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 loans because we understand that sometimes life can take unexpected turns. Not everyone fits into the same financial box, so why offer the same loan to every person?

Nifty Loans believes in finding a medical loan that’s right for you so that you have a little more room to move.

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 medical loans instead?

This is just one of the reasons why we offer 100% online, fast medical 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 for one of our medical loans, 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. That’s not fair on pensioners at all!

Luckily, Nifty Loans has got you covered.

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’ve got you covered! That means you can apply for one of our medical 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 medical loans underway all you need to do is head to the top of this page and hit the APPLY NOW button. From there you can fill out our super-fast application form – which usually takes just 4 minutes to complete! Then we can start to process your application.

After you have lodged your medical loans Australia 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!

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

How do I repay my medical loans?

If you thought applying for one of our medical loans was a breeze, then good news – repaying your medical loans is 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 medical loans early?

No way!

Other lenders might charge you if you decide to pay off your medical loans 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 medical loans early.

In fact, paying out your loan earlier will 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 where medical loans Australia with 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.

Furthermore, medical finance loans are on the increase with the cost of medicine and the slow decline of services covered by Medicare.

Is it any wonder that so many patients instead choose to take out short term loans to pay for their expenses?

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!

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

Is this the product I’m looking for? What should I check for when applying for medical loans?

Who is this product for? Anyone looking for fast medical loans Australia
To be considered for a medical loan you must:
  • Have a regular source of income;
  • Be an Australian citizen or permanent resident;
  • Be at least 18 years of age.
  • Have an active mobile number and email address
What are your repayment terms? Repayment terms range from 3-24 months.
Loan types available Fixed
Lender Nifty Personal Loans

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!

who can apply?

Looking for a loan? You can apply with us if:

  • You’re at least 18 years old.
  • You’re an Australian Citizen or Permanent Resident.
  • You’ve been receiving a regular income into a personal bank account for at least 3 months.
  • You have an active mobile number and email address.
Need to know more? Check out our FAQs

how it works.

small personal loans.

  • Loan amounts: $300 – $2,000
  • Terms: 3 months – 6 months
  • Establishment fee: Up to 20%
  • Monthly fee: 4%


Loan Amount: $500
Term: 10 weeks, repayable weekly
Principal amount: $500
Establishment fee: $100
Total other fees: $60
Total monthly fees: 4% per month over 10 weeks
Total payable: $660
Weekly installments: $66

medium personal loans.

  • Loan amounts: $2,001 – $4,600
  • Terms: 13 months – 24 months
  • Establishment fee: up to $400.
  • Annual Percentage Rate (APR): 48%
  • Comparison Rate: 66.0347%


Loan Amount: $3,000
Term: 18 months, repayable weekly
Principal amount: $3,000
Establishment fee: $400
Total other fees: $1,378.87
Total payable: $4,840.14
Weekly installments: $61.27

Want to know something nifty? See how it works!

How customers rate Nifty’s Medical Loans?
medicalloans Overall rating: 4.5 out of 5 based on 4 reviews.

Easy, uncomplicated, quick and fair

5 5 1
Easy and uncomplicated process. Money is in the bank quickly and charges are fair!

Best loan company to go through

5 5 1
I have not had much luck with any other loan company but NIFTY gave me a go and I would advise others to go through NIFTY as well.

Best small loan company!

4 5 1
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.

Review Title
Review Content