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Personal loans

Medical loanS

Money when you need it most

Personalised rates from 5.35%¹
(comparison rate 6.14%)²

Our latest awards
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Help yourself or loved ones with a medical expenses loan

Whether you need help paying a dental bill or a surgery loan, our medical loans are personalised to your needs.

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If your medical expenses loan is approved and you accept the loan terms, you should receive your money within 24 hours.

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We’re upfront about costs and fees, so you can rest assured knowing how much your loan will cost.

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Our medical expenses loans are unsecured. That means we don’t need you to secure your loan with an asset as collateral.

What our customers say

5.0 Its been good! Australia
5.0 Awesome service Australia
5.0 Very good Australia
5.0 Good Australia
5.0 Incredible assistance friendly team good people Australia
5.0 Good service Australia
5.0 Good quick experience Australia
5.0 Very good Australia
5.0 A really good service Australia
5.0 Good Australia
5.0 such a quick and simple process. Do this it's so good. Australia
5.0 The process is painless and the communication with the folks at Harminy has been good. Reviews of financial information was quickly done. Thank you. Australia
5.0 Simple process and very good customer service. Australia
5.0 It was a good experienced. Highly Recommended. Thank heaps.... Australia
5.0 Very good . I’m so happy with this company. Australia
5.0 Second time around with Harmoney and I have to say the service and experience is very good. Thank you Australia
5.0 Very good. Australia
5.0 Very easy to use good rates Australia
5.0 Good and quick communication. Thorough documentation Australia
5.0 The bank account link page froze multiple times. All good apart from that. Australia
5.0 I found Harmony was very efficient with the way they handled my new loan very good thanks Australia
5.0 Very good communication. Very friendly customer service. Australia
5.0 good use of the technology Australia
5.0 Good Australia
5.0 Very good application Australia
5.0 Awesome Australia
5.0 Unbelievably fast and hassle free process ... good job! Australia
5.0 Good expe Australia
5.0 Good Australia
5.0 Very good and easy Australia
5.0 Easy system, good rate Australia
5.0 Awesome experience very easy application Australia
5.0 Harmoney was awesome Australia
5.0 Good Support.... The Page where you select your loan amount after being told your borrowing power wasn't clear to me. Australia
5.0 Was awesome. Thankyou Australia
5.0 Good Australia
5.0 so far so good. All process are seamless and less hassle. Hopefully all goes well until I finish my loan. Australia
5.0 awesome Australia
5.0 So far so good, easy and efficient process. All online and fast responses. Australia
5.0 So good thanks for all your help Australia
5.0 Very good Australia
5.0 All good thanks Australia
5.0 very good Australia
5.0 I got a great rate so quickly. I am finally feeling that my good credit score is working for me!! Australia
5.0 Very easy form all the way to approval was an awesome experience and saved me a big headache with regards to paying back debt. Australia
5.0 Absolutely fantastic. Great communication by the team. They had a genuine look into accounts and made sure things were good to go. Australia
5.0 Good Australia
5.0 Awesome service, very professional and lightening fast approval , provided u satisfy their requirements, can’t recommend enough to other clients !! Australia
5.0 Easy application process and good communication. Definitely recommend. :) Australia
5.0 Very good and quic Australia
5.0 Unbelievably good service, very satisfied. Australia
5.0 AWESOME! Australia
5.0 Good so far Australia
5.0 Awesome Australia
5.0 Great website and really fast. Nothing is hidden. Only down side is the high interest rates. All in all a good service. Australia
5.0 so far so good Australia
5.0 Awesome service
Better that the main banks
5.0 Thankyou good experience Australia
5.0 Good Australia
5.0 Awesome experience. So quick and within 24 hrs I had my money Australia
5.0 Very good timing excellent ,only problem is my interest rate to high maybe we can improve my rating to get a better deal next time thankyou Australia
5.0 Awesome experience Australia
5.0 The whole experience so far has been really easy. I contacted the office and spoke to a customer service officer (Mia) who was very helpful. So professional and helpful. I am super happy to get this help. These are difficult time and this process has been just awesome. Thank you Australia
5.0 It has been a good experience. Thanks Australia
5.0 Awesome!! Quick, easy and understandable with less hassle. Australia
5.0 Easy, quick, good rate for my situation. Australia
5.0 Very good ☺️ Australia
5.0 Easy transaction
Easy website to use, very accomodating.
No stress
I've been with Harmoney for 6 mths and the experience has been awesome. I just topped, and again the experience was awesome
5.0 Just an awesome company and so very easy Australia
5.0 Just awesome to deal with thank you so much Australia
5.0 so far so good Australia
5.0 Easy to apply and good communication from Harmoney. Australia
5.0 Good service Australia
5.0 Awesome so quik Australia
5.0 Exceptional good and fast service Australia
5.0 Very good customer service. Australia
5.0 No Problems overall good. Australia
5.0 Awesome service- super efficient and intuitive experience. Excellent! Australia
5.0 Awesome service such easy process everyone happy to help out Australia
5.0 So easy and so good to use Australia
5.0 Good service Australia
5.0 Mia was awesome, helped me through the application process and checked everything as we went. The application process online is straight forward and the communication by sms, email and voice is outstanding. Australia
5.0 I was helped by Mia over the online chat function, and while admittedly I was a bit difficult (I don't math very well) she was awesome and patient and overall provided wonderful customer service. Australia
5.0 Good service
Fast and affordable
5.0 awesome Australia
5.0 Very good Australia
5.0 I've had a good experience with the loan process, especially customer service in general. Ben was very helpful in every step of the application, not forgetting his patience and professionalism. Thank you. Australia
5.0 Good service with fast turn around times Australia
5.0 Good Australia
5.0 Very good service and information Australia
5.0 User friendly good information Australia
5.0 So far so good. Australia
5.0 Very good Australia
5.0 Really good service and very quick Australia
5.0 You are an awesome group to deal with for loans. Also great after sales service, if needed. Qld, Australia
5.0 Good fast and exact Qld, Australia
5.0 very good thankyou Australia
5.0 Very easy to understand and good rates Australia
5.0 It's very easy and quick and a very good interest rate Australia
5.0 Good Australia

Simple, 100% online

Step 1. Get to know you

Tell us how much you need for medical expenses. We also need to confirm your details and your finances.

Step 2. Get your loan terms

You’ll receive a quote for your medical expenses loan that includes all the details.

Step 3. Get your money

Send some final details after accepting the quote and your money will normally arrive within 24 hours.

What we offer

$2K - $50K

Loan limits
3 or 5 years

Loan terms
$275 or $575

Establishment fee

Early repayment fee
  • All loans are unsecured
  • Rates from 5.35%¹ (comparison rate 6.14%²)
  • Your rate is fixed for the life of the loan
  • Establishment fee of $275 for loans under $5,000 ³
  • Establishment fee of $575 for loans $5,000and over ³
  • No monthly account keeping or early repayment fees
  • You can repay weekly, fortnightly or monthly

Find out more about our rates and fees

Quick medical loan estimate

Try our loan calculator for an idea of the interest and repayments you could pay on a medical or surgery loan.

Common medical loan questions

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Can anyone apply for a medical expenses loan?

To be eligible to apply for a medical loan in Australia, you should:

  • Be aged 18 or older

  • Be an Australian citizen or Permanent Resident or a New Zealand citizen

  • Show proof of full-time or permanent part-time employment

  • Show proof of identity, such as a passport or Australian driver’s licence

  • Have a clear credit file without any defaults, judgments or bankruptcies

  • Need to borrow at least $2,000 with your loan

To be eligible to apply for a medical loan in New Zealand, you should:

  • Be aged 18 or older

  • Be a New Zealand citizen or Permanent Resident

  • Have a stable income

The conditions for medical expenses loans on Harmoney are the same as for most of our personal loans. We’ll tell you what documents you need to provide during your simple online application.

What can I use a medical loan for?

A medical expenses loan can help to cover your medical bills as well as other costs related to your treatment and recovery, from medication to travel, or living costs if you’re taking time off work.

Medical loans from Harmoney aren’t tied to a specific health issue or health care provider, so you can borrow money for a dental loan, cosmetic surgery loan or any other purpose.

Can I combine my loan with my health insurance?

If you can use your health insurance to pay some of your medical expenses, that could mean you don’t need to borrow as much on a loan, which will make repayment easier. Check with your health fund provider if you’re not sure what’s covered.

Do I need to use a certain health provider?

No, Harmoney medical loans are not tied to any specific medical provider or insurer. You’re free to use any private or public health service you choose, just let us know your plans when you apply for your loan.

Can I increase an existing loan?

If you need more money, you might be able to top up an existing Harmoney loan (if you’ve been making repayments for 6 months already) or you might consider a refinancing option such as debt consolidation.

Read our Top Up guide to find out if you’re eligible.

What happens if I there are changes to my financial circumstances?

If you’re finding it challenging to keep up with your repayments as planned, due to illness, loss of employment or other circumstances, talk to us. There are options and you may qualify for unforeseen hardship. The key thing is to get in touch early so we can work through it together.

Don’t let money be a worry

With a medical expenses loan covering costs, you can concentrate on recovery.

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100% ONLINE – 24/7

Our online application process can be completed in minutes.

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If you’re able to pay back your medical loan early, there are no extra fees.

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Your individual interest rate is worked out based on your credit assessment.

About medical expenses loans

Whether a medical emergency’s come out of the blue or there’s a treatment you don’t want to delay, a medical expenses loan can be a valuable lifeline.

When you’re comparing medical loans, you need to be sure that the one you choose suits your circumstances and covers everything you need it to, which could be more than medical bills alone.

One important distinction between loans is whether they’re secured or unsecured.

Unsecured medical loan

An unsecured loan is not protected by an underlying asset. This means that you won’t have to put forward some of your own property (such as a house, car or expensive jewellery) to secure the loan, and risk losing it if you’re unable to pay your loan back as agreed.

Like all our personal loans, Harmoney medical expenses loans are unsecured.

Secured medical loan

A secured loan is protected by an underlying asset. Advantages of secured loans is that they can sometimes have lower requirements or a slightly lower interest rate, but this must be weighed against the risk of losing your property.

Harmoney does not offer secured loans.

Medical payment plans

Many health providers offer payment plans through a third-party finance company. These are usually instalment plans that can help you avoid paying out-of-pocket medical expenses on the day by making regular payments until your bill is settled. Unlike a personal loan, these payment plans only cover your medical fees and don’t extend to other expenses you may need help with.

Specialised medical loan

Some providers offer financing related to a specific service, such as a surgery loan, dental loan or cosmetic surgery loan. While these loans are designed for the specific needs of people choosing these treatments, they’re usually secured by an asset and may have less favourable terms than a personal loan.

Fixed and variable rates

Another important point to compare if you want to avoid surprises on your loan is whether it has a fixed or variable interest rate. A fixed rate, as the name suggests, remains the same all through your loan, so your repayments won’t increase. However, a variable rate may rise or fall based on market forces.

A fixed rate loan is the best choice if you want to know exactly how much to budget for every month and avoid the gamble of variable interest. All Harmoney loans have a fixed interest rate.

We’re here to help

Apply for a medical expenses loan online and get the care you need.

Make it happen today

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We're real people and here if you need us

If you need help, just give us a call on 1300 042 766 or jump on to online chat and one of our more than 30 specialists will be there to lend a hand.

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