Loans for
medical expenses

Apply online in minutes
Rates from 6.99% — 28.69% p.a.* (Comparison Rate 7.69% — 29.55% p.a.)*.
Or call 1300 042 766 (9am - 6pm)

*Comparison rate of 7.69% p.a. – 29.55% p.a. is based on an unsecured personal loan of $30,000 over 5 years. WARNING: The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs, fees, government charges like stamp duty, and cost savings are not included in the comparison rate but may influence the cost of the loan.

A healthier, happier you.

You could use a Harmoney medical expenses loan to finance almost any medical procedure, or its related costs. Surgical bills, specialist fees, plastic and cosmetic surgery, gastric bypass surgery, lasik eye surgery, dentistry, and In Vitro Fertilisation (IVF) costs could all be covered using a medical expenses loan through Harmoney.

Start an application now
Apply now
Or call 1300 042 766 (9am - 6pm)
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Simple 100% online process

1.

How can we help?

Whatever it is is you want to make happen, we're here to help. If you need money for a holiday, let us know and we'll kick things off.

2.

Getting to know you and your finances

As a responsible lender, we'll need to verify you are who you say you are, and that you can afford to borrow the money.

3.

Choose your terms

Review your personalised interest, loan amount and select the length and loan options that work best for you.

4.

Getting funded

Once funded, the money is deposited into your bank account, or disbursed to pay off your debts (if you're consolidating debt).

Start an application now
Apply now
Or call 1300 042 766 (9am - 6pm)

Trust and Security

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$90 Million*

in funded loans.

83,000 members*

in our growing community.

Bank Grade Security

with 256-Bit SSL encryption.

*Over 380,000 members and billion in funded loans across Australasia.

Harmoney is regulated by the Australian Securities and Investments Commission.

Harmoney Australia Limited ABN 12 604 342 823, holds Australian Credit Licence Number 474726 and Australian Financial Services Licence Number 474726.

Our rates and fees

An overview

Platform fee
$200 or $500
Early termination fee
$0
Loan limits
$2K — $70K
Loan terms
3 or 5 year

You also need to know...

  • All loans are unsecured
  • Rates 6.99% — 28.69% p.a. (Comparison Rate 7.69% — 29.55% p.a.*)
  • Your rate is fixed for the life of the loan
  • You can repay weekly, fortnightly or monthly

*Comparison rate of 7.69% p.a. – 29.55% p.a. is based on an unsecured personal loan of $30,000 over 5 years. WARNING: The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs, fees, government charges like stamp duty, and cost savings are not included in the comparison rate but may influence the cost of the loan.

Ready to begin?

Start an application now
Apply now
Or call 1300 042 766 (9am - 6pm)

Simpler loans for medical expenses

Get an estimate

Just use our simple loan calculator to start your obligation-free application for up to $70,000. Get an indication of what your repayments could be, then continue on to find out how much you could be approved to borrow, and what rate could apply to you. Use the personal loan calculator.

Get started

We’re completely transparent and upfront about the fees and interest rates that apply. All Harmoney personal loans have personalised, fixed interest rates range from 6.99% — 28.69% p.a. (Comparison Rate 7.69% — 29.55% p.a.)*. Interest rates are set based on the risk grade assigned to each Borrower during their application, ranging from A1 to F5.

If your repayments are always on-time and made in full, the only fee you’ll pay is the Establishment Fee. Read our interest rates and fees schedule to see for yourself.

Here when you need us.

Sometimes you just need to talk to a person, and we have a super-dedicated Customer Support team ready to help you. It’s a team effort, so you might get Michael, Kristen, Sahil, or any of the other 30+ specialists.

Other ways to contact us

Terms & Conditions

*Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 28.69% p.a. (Comparison Rate 7.69% — 29.55% p.a.) and are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved and list your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.

Comparison rate of 7.69% p.a. – 29.55% p.a. is based on an unsecured personal loan of $30,000 over 5 years. WARNING: The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs, fees, government charges like stamp duty, and cost savings are not included in the comparison rate but may influence the cost of the loan.