Medical and Dental Loans

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.

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.*).

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.

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.

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