If you choose to make extra payments on your Handy Finance Medical Loan, there are no early repayment fees. You can pay off your loan faster without incurring any additional costs.
Medical and Dental Loans
Support your health and wellness goals
Access the care you need with flexible financing for medical and dental expenses. Put your well-being first.
Interest rate from
6.57
%
p.a.*
Comparison rate
7.51
%
p.a.*
Generally at least half of our approved customers will receive the representative rate or lower.
Representative rate:
9.99% p.a.*
Representative Comparison rate:
11.94% p.a.*
Medical loans can help you manage the cost of your healthcare and wellbeing
Whether you’re looking for cosmetic or dental surgery, or unexpected health expenses arise, a Handy Finance Medical and Dental Loan can help you cover the cost. Take the stress out of medical financing, and get back to what’s important: your recovery.
Loan Amounts
$2,001 - $75,000
No Monthly Fees
$0
No Early Repayment Fees
$0
Flexible Loan Terms
1 - 7 years
The process
3 quick and easy steps to securing your loan
Step 1
Get a free quote
Obtain an indicative quote in minutes, without impacting your credit score!
Step 2
Apply in Minutes
If you're happy with your quote, you can finalise the application online in minutes.
Step 3
Get Your Funds
You can get an indicative decision in minutes. Once approved, funds can be settled within 24 hours.
Apply
A quote won't impact your credit score
Loan Calculator
Medical loans calculator
Estimate what your repayments could look like so you can start your borrowing journey with complete transparency.
I'd like to borrow
$30,000
Over a period of
4 years
With repayments every
Week
Fortnight
Month
Estimated weekly repayments from
$
including interest and fees
Apply now
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A quote won’t impact your credit score
Loan amount --
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Principal plus interest and fees --
A quote won’t impact your credit score
Interest rate from
6.57 % p.a*
Comparison rate
7.51 % p.a*
Interest rate from
6.57
%
p.a.*
Comparison rate
7.51
%
p.a.*
The interest rate and repayment amount are estimates only, 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.
Put your health first
Loans for dental work
Cover elective surgery
Loans for surgery
Handy Finance Medical 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 a Handy Finance Medical Loan. Get the healthcare you need now, not later.
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A quote won’t impact your credit score
Taking the stress out of finance
Read what our happy customers are saying about us
A+ for service
Each representative we spoke with went out of their way to help, and to understand our circumstances - they really listened. This is how banking should be
One of the best financial organisations in Australia!
A great company to dealt with - from approval to set up to closing out, everything was so easy. Most of all, the customer service offered by the staff is fantastic. Would highly recommend them.
Fast and reliable service
Riley was so helpful on the phone this morning answered my questions and was very patient. Great interest rate. Much easier than going through a bank. Loan approved in less than 24 hours
Handy Guide
Understanding medical loans at Handy Finance
Take control of unexpected medical costs with our medical and dental loans. Prioritise your health and well-being without financial stress – our easy application process and flexible repayment options ensure a smooth, hassle-free experience so you can focus on your recovery.
Frequently asked questions
Need help with something? Here are our most frequently asked questions.
Medical loan basics
Can I get a secured medical loan?
Yes, you can. Handy Finance offers both secured and unsecured medical loans. Secured loans require an asset, such as a car, as collateral, which can help lower your interest rate compared with an unsecured option.
Can I borrow for medical care performed overseas?
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.
Can I use a medical loan to cover costs while I recover?
At Handy Finance, we recognise the crucial role recovery plays in your medical journey. That’s why rehabilitation, medication, and medical equipment can all be covered under a Handy Finance Medical Loan.
Do I have to provide medical invoices to support my loan application?
Medical invoices aren’t required to apply for a loan, but they can help guide the process. Providing supporting documentation allows the team at Handy Finance to better understand the details of your application and your financial requirements, which can help streamline your loan approval.
I don’t know the exact cost of treatment yet - how much should I apply for?
You don’t need to know the exact cost of your treatments before applying for a Handy Finance Medical Loan. Securing medical finance doesn’t depend on having precise figures. If you’re unsure how much to apply for, researching your treatment first can give you an idea of the costs and help you determine an appropriate loan amount. At Handy Finance, you can apply for a medical loan between $2,001 and $75,000.
I had a medical emergency, and now I have a medical bill to pay - can Handy Finance help?
If you have a medical emergency and a bill to pay, Handy Finance can help. Once your medical loan is approved, funds can be settled within 24 hours, giving you fast access to finance for unexpected medical expenses.
What are the eligibility criteria?
To be eligible for a Handy Finance Medical Loan, you must meet a few key criteria. These include:
- Being 18 years or older and an Australian citizen or permanent resident.
- Receiving regular income through active employment, including self-employment.
- Having no history of bankruptcy or financial hardship with other providers.
- Having no outstanding or unpaid defaults.
Handy Finance will assess these factors when reviewing your loan application.
Loan amount and repayment
How much can I borrow with a Handy Finance Medical Loan?
With a Handy Finance Medical Loan, you can borrow between $2,001 and $75,000. The exact amount available to you will depend on your application, income, and credit history.
How do I make repayments on my medical loan?
Repayments for a Handy Finance Medical Loan can be spread over a term of one to seven years, giving you flexibility to manage your budget. You can choose to make repayments weekly, fortnightly, or monthly. There are $0 monthly fees and $0 early repayment fees, so you can pay off your loan sooner without extra costs.
What are the interest rates on medical loans?
Interest rates for Handy Finance Medical Loans start from 6.57% p.a.* (comparison rate 7.19% p.a.*). Your rate will be determined based on your application and credit history.
Will the interest rate on my medical loan be fixed or variable?
At Handy Finance, our medical loans have fixed interest rates, so your repayments remain consistent and manageable throughout the loan term. This helps you plan your finances and maintain stability during your medical journey.
Application and approval
When will I get a decision on my medical loan application?
After submitting your medical loan application with Handy Finance, you can receive a decision and an indicative quote within minutes. This quick process helps you plan ahead and understand your borrowing options without delay, so you can focus on covering your medical expenses with confidence.
How long until I receive funds for my medical loan?
We understand that timeliness is everything when it comes to receiving your financing. If you are approved for a Handy Finance Medical Loan, you can receive your approved funds within 24 hours.
Financial terms and rates
How do you offer lower rates than traditional lenders?
Traditional bank lenders tend to have higher operating costs, which can result in higher rates. Handy Finance aims to keep rates low by keeping operating costs down to make finances less daunting and allow people to live life to the fullest.
What does a fixed-rate loan mean?
A fixed-rate loan means that your interest rate will remain the same throughout your loan term. 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 only offers fixed-rate medical loans.
What will my interest rate look like?
Handy Finance aims to ensure borrowers with a good credit history are rewarded with better rates. Handy Finance’s interest rates are based on your personal credit history and evaluation against our credit scorecard. You can receive an indicative rate estimate in just a few minutes via our online application form. Any estimates provided do not constitute an offer or approval of finance. Your repayment amount and interest rate will be provided if an application is submitted and approved.
Loan management and repayments
How long will my repayments last?
With Handy Finance, you can repay your medical loan for up to 7 years. Repayments are made weekly, fortnightly or monthly.
How do repayments work?
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 using BPAY.
If you are experiencing financial hardship and have difficulty meeting your repayments, please contact the Handy Finance team on 1300 990 115 or [email protected]
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