hero bp 1024x520
Personal loans

Medical loanS

Money when you need it most

Personalised rates from 6.99%¹
(comparison rate 7.79%)²

Our latest awards
finder award 2019 v2
mozo award 2018
mozo award 2018 v2
rate city 2020 v2

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.

time v6

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

stress less v2

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

unsecured v3

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 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 It was a really really simple process, approval and funding same day with a good rate. NSW, Australia
5.0 Very professional service and quit response keep up the good service NSW, Australia
5.0 Easy, fast and thoroughly the best process I've ever done. At first I was a bit nervous about doing everything online but it was amazing everything was a flawless process, so easy very professional and fast, will never use a bank again, the rate was very good and the terms and conditions great Vic, Australia
5.0 Quick Easy process , easy to understand & good communication , prompt reply's , Very Happy Paul NSW, Australia
5.0 Very strong, accurate system , high professional on line system , friendly staff, good communications , great web design , easy and fast security check system .

It is a great efforts got you on the lead .

Thank you very much
NSW, Australia
5.0 So far so good WA, Australia
5.0 A very professional & fast service ... easy to apply for & good communication throughout the process ... would definitely recommend HARMONEY to any prospective borrower. , Australia
5.0 Very prompt and good to deal with. Cheers Qld, Australia
5.0 very good and the process was quick :) NT, Australia
5.0 quick & easy service, no hassle & good support WA, Australia
5.0 Excellent relationship and service.
Cannot be faulted

Surprised with attention
Very good
Qld, Australia
5.0 Thank you for your help and kind assistance.
Easy and smooth customer service, good interest rates and professional organisation.
Vic, Australia
5.0 These guys are awesome, and it really is a quick process. Qld, Australia
5.0 Good quick service, sorted out issue I had with computer application straight away after I phoned. Loan was organised quickly so I was able to get myself and my family into a better financial position within days - I was able to pay for my final exam for work and pay out an existing loan, and with this new loan my monthly repayments are now less than they were. Thanks heaps! Qld, Australia
5.0 Very good and fast service Qld, Australia
5.0 So far the process for the loan has been fairly simple with less than an hour spent so far filling in documentation online. Hopefully it will be the same experience as I progress to the next stage to get the loan. All good so far!!!

Following the completion of the documentation, which involved in putting my personal details, Medibank details, Driving License and uploading a copy of my bank statement and specifying the amount I would like to borrow, I received confirmation the next morning that the loan had been approved.

Three days later the funds had been received. It was that quick and that simple.

The rate I got was also very reasonable.

I honestly can not fault this service. It was quick, painless and easy. I was informed all the way and their online account is really easy to navigate and use. I will be using them again and I will be recommending them in the future.
Really please customer
Vic, Australia
5.0 Very impressed so far. Great idea. The interest rate came back higher than expected but still a little cheaper than my bank and the service was very good. Qld, 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 6.99%¹ (comparison rate 7.79%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

View more
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.

time v9
100% ONLINE – 24/7

Our online application process can be completed in minutes.

repayments v3

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

personalised rates v8

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

Harmoney has a loan for almost any need. Here are some of our most popular loans.

personalised rates v8

From textbooks to accommodation, the costs of studying add up. Find out how an online education loan with Harmoney could help.

Find out more

debt free v5

If you’re struggling to keep on top of loan and credit card payments, consolidating your debt can make things easier. Find out more.

Find out more

make memories v2

Flights, hotels, tours and other travel costs can add up. If you need some help, a holiday loan could make your trip more affordable.

Find out more

unsecured car v3

An online car loan can often work out cheaper than car finance with a dealership. Harmoney car loans can be used for many types of vehicles.

Find out more

stress less v3

From hospitalisations to dental care and cosmetic treatments, a medical expenses loan can help you pay for a wide range of services.

Find out more

start now

Whether you’re planning an extension, a swimming pool or energy-efficient upgrades, a renovation loan makes it easier to get started.

Find out more

wedding prepare

From the dress to the venue and the catering, wedding costs can quickly add up. A wedding loan could help you cover the expenses.

Find out more

simplify v9

Whether you’re just getting started or expanding your organisation, get help when you need it with Harmoney’s business loans for SMBs.

Find out more

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.

Customer service m wide min v3