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Turn to Nifty for medical loans

Finding out that you or a loved one needs 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 financial assistance to cover expenses then look no further than Nifty Loans. We offer fast medical loans, no fuss!

Medical loans

Nifty loans

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. Medical expenses can really throw you off your well-planned monthly budget. However, that’s when you can turn to Nifty. We offer medical loans to help you deal with what life throws at you. 

Nifty will do everything we can to offer you loans for medical procedures – because we believe everyone deserves a helping hand when the going gets tough. We aim to give every applicant a fair go, and we are willing to look deeper into your finances to see if you’re eligible for medical loans. 

Nifty is different from traditional lenders – we won’t treat you like another number. We assess every applicant based on their individual circumstances. So, when you need cash for a medical emergency, we could assess you for you bad credit loans, or loans for people on Centrelink. Furthermore, unexpected medical expenses can happen to everyone and are even more unfortunate when you struggle financially initially. Therefore, we are happy to help you out with medical loans even though you receive Centrelink benefits or have bad credit. Sounds appealing? Keep reading!

What are medical loans Australia?

Medical loans are loans offered to customers in Australia who need financial assistance to help pay their medical bills. The medical loans you can apply for a range between $300 and $10,000 and are usually repaid between 6 and 24 months. Nifty’s medical loans are fast and easy to apply for. The application is 100% online for your convenience. If you don’t have the money upfront to cover unexpected medical expenses – your best option is Nifty Loans! 

Why? We could give you an outcome on your application in only an hour*! In addition, you could also receive your money in your account and ready to use in just 60-seconds after signing your contract**! 

You shouldn’t have to worry about money when you or someone you love have medical issues. Let Nifty handle the finance, so you can take care of yourself or a loved one. Apply for medical loans wherever and whenever and we will be right with you! Receive your quick cash to cover the cost of your medical procedures. 

How do I apply for 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.

Dealing with medical issues itself is tough and stressful. Not to mention, the financial burden doesn’t make it any easier. That’s why Nifty does 100% of our applications and processing online – so you don’t have to deal with pesky appointments, long queues and waiting times.  Receiving a loan should be quick and easy and not more hassle than it’s worth. 

Not only is our application process more convenient for you, but it also allows us to be more flexible than most traditional lenders. That way we can offer you better service and personally tailored loan terms. 

Why is Nifty different?

Nifty differentiates from traditional lenders in many aspects of our service.  You can trust us to give you the consideration you deserve. We don’t approve or disapprove your application solely based on your credit score or credit history. We look at the more important things when assessing your application, such as your current relationship with money and your bank statements. Since we’re a smaller lender compared to the big banks, we have the tools and the time to assess your application on a more individual level. We aim to look at why you can be approved, rather than why not. 

Nifty uses the latest in banking technology to access your personal details in a safe way. Additionally, we always keep up to date with the latest technology to provide a better overall experience for our customers. 

Learn more about or privacy policy!

Do we offer instant medical loans? 

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! In addition, if you have an NPP-enabled bank account, you could receive your funds in just 60-seconds! 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 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 conduct 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. We know unexpected bills can be stressful, that’s why we’ve made our application as easy and as seamless as possible.

What type of loans do we offer? 

Nifty offers 3 types of loans. These are: 

Loan TypeSecured OptionsLoan amountLoan term
Small Bad Credit LoanUnsecured$300 to $2,0009 to 12 months
Medium Cash LoanCan be Secured$2,001 to $4,6009 to 24 months
Large Personal LoanSecured$5,000 to $10,0009 to 24 months

Can I get medical loans 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. Having bad credit doesn’t define you, and it’s why we don’t judge you purely based on your credit score. We believe we can get a much better snapshot of your current relationship with money from 90 days of bank statements.

At Nifty Loans, we truly believe that everyone deserves a second chance. 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!

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 anaesthetists alone is 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. 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?

We offer 100% online, fast loans that are super easy to apply for!

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 you can still apply, as long as they’re consistent, reliable and transferred into your personal bank account. 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. Choose the amount you need and the loan terms that suit you best, then simply hit apply!

From there you can fill out our super-fast application form – which usually takes just minutes to complete! We provide loans for various different expenses, so remember to state what you want to spend your loan on. 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 in as little as 60-minutes. If we require further documentation it may take a bit longer though.

Further, if your application is approved, you will be sent a formal contract. Give this a good read and if it looks good to you, you can digitally sign it. Once signed, we’ll release the cash into your bank account. The processing times may vary depending on the speed of your bank, but you should have your funds overnight at the latest. Moreover, if you have a NPP-enabled bank account, you can receive your funds in just 60-seconds!

We know you need to pay the medical bills right away, so we don’t waste your time! Be sure you can get your medical loans at lightning speed with us!

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 nominated bank account on a day that we’ll agree with you (usually your payday). This way you can line up your debits with your payday, so you always have enough cash to make the payment. Even more, you don’t need to call or book an appointment just to cancel your payments. Once your loan is fully repaid, the direct debit payments will automatically stop. 

Nifty is a no-fuss lender. You won’t have to worry about a thing!

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!

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.

Should I get Health Insurance?

For many people, deciding whether to get health insurance can be a bit daunting, and many people do not know what to look for in their cover. Private health is designed to cover certain medical expenses which aren’t covered by the public health system, meaning, by not having insurance, some treatments might leave you with a hefty bill if you need medical attention. There are a few things, however, to consider when deciding to go ahead with it or not. Here, we’ve broken down some of the common pros and cons of health insurance to help make it a little easier to decide.

Pro’s of Health Insurance

  • Short wait times – One benefit of health insurance is there is the potential for a shorter wait period when needing surgery. Elective surgery, which is a planned surgery rather than emergency surgery, can usually have long wait times without insurance and also comes with the possibility of it being pushed back to allow surgeons to operate on more critical patients. However, with private health you have the security of locking-in a date with the surgeon, meaning, it will not be pushed back for another patient. 
  • Select a doctor or surgeon – Many policies give the ability for members to select their preferred doctor or surgeon; this is of course subject to availability. This means that throughout the whole surgery process, you will have the same doctor, whereas through the public system, you are assigned whichever doctor is on shift at the time of your surgery.
  • Private hospital rooms – Another benefit of health insurance is the option of staying in a private room. When in a public hospital, you are often placed in a large room with at least four other people with various conditions, however, with insurance you are usually able to request a private room, which is again subject to availability. Having insurance means when having a baby, for example, you will have a better chance of getting a private room, and this will allow for more privacy and also the option for your partner to stay with you. 

Con’s of Health Insurance

  • Cost – For many Australians, one of the main reasons they don’t have health insurance is the cost. Premiums can be expensive depending on the policy and number of dependents covered; this is because the more people included on the plan, the more expensive it gets. There are however, different levels of cover, with silver and gold tiers generally being more expensive. Still, even with rising costs of policies annually, individuals and families could end up spending thousands of dollars a year on cover they may not be using. 
  • Excluded treatments – Each health insurance policy is different and does not cover all types of diseases and conditions. So even with insurance, you may still not be covered for some treatments. If you do not have the right level of cover, you will end up with gaps in your policy which means you could be denied for treatment or force you to pay out of pocket expenses. 
  • Out of pocket costs & waiting periods – Depending on the company, they may only cover a percentage of the total cost of care. This means although you have cover to pay for the majority of the procedure, you may need to pay a percentage or excess which could result in out of pocket expenses. Most health insurances also come with waiting periods, this means, when you select a policy with a company, you are not automatically covered from that date. The waiting periods on when you can start claiming insurance benefits vary depending on the company, procedure and cover so it is always advised to check this before signing the contract. 

Health insurance is a significant expense to consider for any individual. These pros and cons of health insurance are a guide only and it is up to the individual to look into a policy which will best suit their needs and affordability. When looking for health cover, you should always ensure you are aware of the individual companies procedures, costs and policies and select the plan which is right for you. Due to the potential financial and taxation implications of health insurance, it is also recommended you always talk to an insurance broker before taking out a policy.

You can count on Nifty!

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 on our FAQ page or the MoneySmart website

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.

*If you apply during regular business hours and we don’t require additional documents from you

**Subject to NPP-enabled bank accounts

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Andy Andy


Andrew Bell

Since founding Nifty in 2016, Bell has continued to make waves within the local financial sector for his continued ambition and willingness to adopt emerging technologies.

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Large Loans

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$5,000 - $10,000

Loan amount:
9 - 24 months
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$2,001 - $4,600

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