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Handy’s quick medical loans help you stay on top of your health and wellbeing

Whether you’re looking for cosmetic or dental surgery, or some unexpected health expenses arise, a handy loan for medical treatment is designed to help you cover the cost.

$2-75k Loan Amounts

$0 Monthly Fees

$0 Early Repayment Fees

1-7 Flexible Loan Terms

The Process

3 quick and easy steps to securing your loan

Get a Free Quote

Obtain an indicative rate quote in minutes, without impacting your credit score!

Apply in Minutes

If you’re happy with your Quick Quote, you can finalise the application online. No printing. No paper. No fuss.

Get Your Funds

You will receive an indicative decision in seconds. Once approved funds should be in your account within 24 hours

Get a quote
Get a Free Quote icon
Get a Free Quote icon
Get a Free Quote icon

Get a Free Quote

Obtain an indicative rate quote in minutes, without impacting your credit score!

Review
Apply in Minutes icon
Apply in Minutes icon
Apply in Minutes icon

Apply in Minutes

If you’re happy with your Quick Quote, you can finalise the application online. No printing. No paper. No fuss.

Get funds
Get Your Funds icon
Get Your Funds icon
Get Your Funds icon

Get Your Funds

You will receive an indicative decision in seconds. Once approved funds should be in your account within 24 hours

Medical loans calculator

Estimate what your repayments could look like so you can start your borrowing journey with complete transparency.

Calculator
Calculator
$25000
4 Years
Select repayments type
Your Repayments From
$254.85
per week
This will not impact your credit score
Indicative Rate From
6.57%
Comparison Rate From
7.19%
The interest rate and repayment amount are estimates only and are based on the information you have provided. Your actual interest rate and repayment amount may be different. Terms and conditions, fees and charges and eligibility and lending criteria apply.
Fund
The interest rate and repayment amount are estimates only and are based on the information you have provided. Your actual interest rate and repayment amount may be different. Terms and conditions, fees and charges and eligibility and lending criteria apply.
Bubble medical loan
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Handy health
loans – prioritising your health

When it comes to your health, you shouldn’t have to wait. Take care of yourself and your loved ones with Handy’s easy medical loans. Get the healthcare you need now, not later.

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A quote won’t impact your credit score

Frequently Asked Questions

Medical loan basics

At Handy Finance, our priority is to tailor the loan to suit your financial needs and circumstances. Whether you need to provide security for a medical loan depends on whether your loan is secured or unsecured. We offer both types of medical loans. If you are approved for a secured loan, you’ll need to provide an asset like a car as collateral. This acts as a form of security for the loan and can result in a lower interest rate.

Yes, Handy Finance Medical Loans can cover medical care while you are overseas for business or on a holiday. Note that any medical loan applications with Handy Finance are subject to assessment by our loan team.

At Handy Finance, we recognise the critical part recovery plays in your medical journey. That is why rehabilitation, medication and medical equipment are all covered under a Handy Finance Medical Loan.

Medical invoices aren’t necessary to support your loan application, but they can help to guide the process. By providing any supporting documentation, you can help the team at Handy Finance understand the specifics of your application and financial needs, allowing them to create a loan tailored to you.

You don’t need to know the exact cost of your treatments before applying for a Handy Finance Medical Loan. Securing medical finance is not dependent on having exact figures. If you’re unsure how much to apply for, research your treatment first to figure out some indicative costs – this will give you a better picture of how much money you should apply for. At Handy Finance, you can apply for a medical loan between $2,001 and $75,000.

Once you’re approved for a medical loan with Handy Finance, we’ll settle funds within 24 hours. Our quick settlement can help with any unexpected medical bills.

The eligibility criteria for a medical loan are similar to those of a personal loan. Handy Finance experts will consider these factors when evaluating your loan application.

  • You must be 18 years or older to apply and a citizen or permanent resident of Australia.
  • Receive regular income via active employment (including self-employment).
  • Have no history of bankruptcy or be in hardship with a different financial provider.
  • Have no outstanding or unpaid defaults.

Loan amount and repayment

Handy Finance Medical Loans range between $2,001 and $75,000 – how much in that bracket you’ll be able to borrow depends on your application, income and credit rating.

When it comes to repayments, Handy Finance likes to keep things flexible. That’s why we offer options when it comes to your repayment terms. The cost of your medical loan can be spread over one year, two years, right through to seven years, and you can make your repayments weekly, fortnightly or monthly. There are $0 monthly fees and $0 early repayment fees. We’re not trying to put you in a box – we’re tailoring the terms of your loan to suit you.

Interest for medical loans is calculated on the remaining balance of your loan, usually daily or monthly, adding to the overall amount that needs to be repaid. Interest is part of your regular repayment – it is combined with your principal repayment and results in the sum you’ll need to pay off each month, fortnight or week.

The experts at Handy Finance are here to make money simple. That’s why we have $0 early repayment fees. We won’t charge you to make extra payments to speed up your repayment process.

Interest rates are set based on your financial circumstances. Handy Finance experts will evaluate your application and offer an interest rate tailored to you. Handy Finance Medical Loans have interest rates starting from 6.57% p.a.* (comparison rate of 7.19% p.a.*).

At Handy Finance, we focus on crafting a loan that suits your circumstances. For our medical loans, the interest rates are fixed, ensuring your repayments are consistent and manageable throughout the loan’s term, aiding your financial planning and stability during your medical journey.

Application and approval

Our team makes it a priority to review any applications for medical finance quickly. You will usually find out an indicative decision moments after your application is sent through.

We understand that timeliness is everything when it comes to receiving your financing. If you are approved for a Handy Finance Medical Loan, you will receive your approved funds within 24 hours.

Financial terms and rates

Traditional bank lenders tend to have higher operating costs, resulting in higher rates. Handy Finance keeps rates low by keeping operating costs down and remaining focused on our mission – allowing people to live life to the fullest.

Fixed-rate loans are completely transparent from day one – because the rate doesn’t change, you know exactly how much you will be repaying and how often for the entirety of your loan.

Handy Finance will offer you an interest rate based on your personal credit history and situation. You can find your personalised rate in just a few minutes with our free quote. Please note that this rate is just an estimate, and it won’t affect your credit score.

Loan management and repayments

With Handy Finance, you can repay for up to seven years. Repayments are made weekly, fortnightly or monthly.

Repayments on Handy Finance loans can be made weekly, fortnightly or monthly. You must use direct debit for all scheduled repayments. To make repayments ahead of schedule, log into your borrower dashboard and do so using BPAY.

If financial hardship is making repayments difficult to meet, please contact the Handy Finance team at 1300 990 115 or info@handyfinance.com.au

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Have questions? Handy Finance can help

For more information about loans with Handy Finance, check out our helpful resources, get in contact with our team on 1300 990 115 or complete our online enquiry form.

Put your health first and get a rate for your Handy loan

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