Medical Loans Australia | Quick Online Loans up to $15,000
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What's New?

We're now becoming part of the award winning Jacaranda Finance group.

Here's what you can expect:

  • Market leading customer service
  • 60-Second Transfers once approved3
  • Fast Loan Outcomes1
  • Simple & Easy Application
* All personal loan rates, fees and charges, product claims, and credit application links represented on this website are now for products and services offered by Jacaranda Finance, who you will be referred to to apply.

Fast medical loans

Whether it’s a small dental procedure or an elective surgery, medical expenses can really put a dent in your budget. If you are unsure where to turn, Nifty Loans offers fast medical loans up to $15,000. So, whether the procedure is small or large, Nifty may have a loan option to suit your needs.

What are medical loans?

Medical loans are a form of personal loan used to cover the cost of medical expenses. Loans for medical bills can be used for bills from $2,100 to $15,000 to be repaid over 9 to 24 months.

Medical expenses can be very expensive. Medical loans can be used to take away this immediate financial burden to be repaid in smaller, more manageable instalments over time plus interest. Medical loans with Nifty fall into two categories: medium loans and large loans.

What type of procedures can I use a medical loan for?

You can use medical personal loans for any medical expense that costs money. You will just need to let us know what the medical expense is for and how much it will cost. Here are some of the most common reasons people apply for medical loans with us:

  • Dental expenses (we offer Dental Loans up to $15,000)
  • Constructive surgery – knee reconstructions, hip replacements
  • Cosmetic surgery – liposuction, rhinoplasty, breast augmentation, etc.
  • Emergency/essential surgery – appendectomy, colectomy, gallbladder removal
  • Laser eye surgery
  • Non-surgical procedures – tests, x-rays, physical therapies
  • Medicines
  • Rehabilitation procedures – physiotherapy, speech pathologist, dietitian, occupational therapist
Do you offer medical loans for people with bad credit?

Are you looking for medical loans for bad credit Australia? Here at Nifty, we like to take a more inclusive approach to lending. As long as you have the means to repay your loan, we may be able to provide you with a medical loan for bad credit. We must conduct a credit check by law, however, we will put more focus on your current financial situation.

We use a secure bank statement service to look at your bank statements and your current income and spending. If we believe that you can comfortably repay your loan, we may be able to provide you with a medical loan for bad credit. All applications are subject to assessment. We adhere to the responsible lending guidelines set by the ASIC, so we will never lend an applicant money that they cannot afford to repay.

Eligibility requirements

We have a few standard eligibility requirements that all of our applicants must meet. Please ensure that you can say ‘yes’ to the following:

  • You are at least 18 years old
  • You are an Australian citizen or permanent resident
  • You have had a consistent income into your bank account for the last 90 days
  • You have an active email address and mobile number
  • You have internet banking set up
Documents required

If you are looking for the fastest possible loan outcome, please ensure that you have all of these documents available when you apply.

  • 100 points of identification
  • Your basic personal information (name, D.O.B, address, etc.)
  • Online banking login details (so we can access read-only copies of your bank statements)
  • The reason for your loan application


How much can I borrow?

You can borrow any amount between $2,100 and $15,000. You will repay this amount over your determined repayment period.

Do you conduct credit checks?

We must conduct credit checks on all of our applications. However, we can be more lenient in regards to credit scores. We will focus more on your current finances by looking at your bank statements and assessing whether you can afford your monthly repayments. We may still be able to provide you with a bad credit loan.

How do I repay my medical loan?

We will set up a direct debit in line with your pay cycle. We will automatically debit your account on this day. When your loan has been repaid in full, the repayments will stop.

What are the fees and charges?

This will depend on how much you wish to borrow and your current financial situation.

Do you charge early exit fees?

We do not charge early repayment or exit fees. If you wish to repay your loan before the term of your loan ends, you are free to do so. This can save you on monthly fees and interest.

Ready to Apply?