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Medical Loans

Personal loans for

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Winner of Canstar's Innovation Excellence Award 2022*

Estimate your

Find out how much your repayments and
interest rate could be with our calculator


Monthly repayment from


Example interest rate

9.20 %

Comparison rate*

10.58 %

Total charges


Total repayments


Disclaimer: This calculator provides an estimate only and a comparison rate based on the example information provided. Other fees, costs and charges are not included. This calculation is not an offer for credit. The amount you can borrow may vary once you complete a loan application and all the details relevant to our lending criteria are captured and verified. The interest rate for this product is variable and subject to change. Any calculations made by you using this calculator is intended as a guide only.

Medical Loans up to $50,000

Apply online now for medical loans of up to $50,000 and you could have the cash you’re looking for the same day that you applied. We are Australia’s online lender offering easy cash loans between $5,000 and $50,000 online. Applications take you less than 5 minutes to complete and submit and approvals are fast. If you’re looking for a medical procedure loan to help you pay for the cost of important surgery you need, we can help.

Your health and wellbeing should be top priority. Many people struggle to afford costly medical treatment when it’s not deemed to be urgent or critical care. If your conditions don’t qualify as an emergency, then you can sometimes be left to wait on a public health waiting list for years. With our help, you can skip to the head of the line for any medical procedure or treatment you need to get you back to 100%. Borrow the money you need to get your life back on track from MoneyMe. Our finance options are unsecured, and we offer competitive interest rates, low fees and easy approvals.  

Don’t clean out your savings account to cover the cost of your medical treatment and advice. Apply online today for the money you need and enjoy cash flow friendly monthly repayment options.

How do I qualify for a medical loan?

To be eligible for any of our personal loans, you must be at least 18 years of age, currently employed and a resident in Australia. Your application form takes you less than 5 minutes to complete and submit online. We’ll ask you for some standard financial information like your current expenses which includes what rent or mortgage repayments you make, what your income is, whether you have any other debts or financial commitments and why you need a fast cash loan. 

Once you have submitted your online application, you’ll be directed to a secure online platform where you will be asked to sign into your online banking website. By signing into your online banking platform, you are agreeing to send us a recent 90-day transaction statement taken directly from your live account. We use this statement to verify your application details and customers who typically apply during our business hours often receive a response within minutes. 

As part of our standard lending assessment, we will also access your credit file. Don’t worry if your credit history isn’t as good as you would like it to be. We use your credit history as part of our total assessment and recent changes to what is shown on a credit enquiry mean we also get to see the last 24 months of transactions on your file. This means that if you have attracted a default on your file, we see how you have attempted to address your default and take this into account when reviewing your request for any of our lending products.

Do medical loans impact my credit score?

All credit that you successfully apply for is noted on your credit file. The more concurrent credit you have been approved for, the lower your borrowing power is. If you are comfortably managing your credit commitments, then this usually isn’t a problem. Your credit score reflects your ability to borrow more funds so if you are currently at your capacity then your credit score will improve once you have repaid any existing credit. 

It’s a good idea to check your credit file about once per year to ensure that all credit listed is definitely yours. This helps to avoid identity theft as well as keeping you abreast of what you currently owe.

How can I apply for a medical loan?

Applying for any of our medical loans is quick and easy. All of our personal loans come with variable interest rates for the term of your loan. You can check what an indicative repayment amount would be like by using our online tools like a personal loan repayment calculator. Change the default interest rate to reflect something you are more likely to be offered to get as accurate an idea as possible of what your payments will be like.

Once you have settled on a loan amount that you believe you can comfortably and affordably manage, simply complete and submit our simple 5 minutes online application form. You will need two forms of identification such as your driver’s licence, Medicare card or passport. Verification takes place online in seconds. 

We don’t need you to upload any supporting documentation such as payslips, tax returns or employer references. We won’t even need to contact your employer at all. As a wholly online lender, we offer our complete range of credit services all over Australia via our website. Apply for same day loans SydneyMelbournePerth and Brisbane all online today and get approved fast.

We also don’t charge our customers any early pay out fees on our personal loans. If you are in a position to repay your loan amount before the term ends and save yourself some interest payments in the process, then we won’t charge you additional fees. Do you already have an existing medical loan? Apply online with MoneyMe for consolidation loans that help you repay your existing debt faster and possibly at a lower cost. 

Apply online now for medical loans and fast same day cash with MoneyMe, the online lender offering up to $50,000 in unsecured personal loans online now.

For hospital bills and more

At MoneyMe, we offer personal loans that provide a lump sum of up to $50,000, helping you cover large unexpected expenses. Meanwhile, we eliminate all ‘frictions’ involved in your usual loan application process. We don’t require phone and personal interviews or ask you to send us physical documents. Everything is done online. Simply enter your personal and bank information and wait a few minutes. Once approved, you can access your funds from your bank instantly.

Aside from personal loans, another excellent financing option we offer is called Freestyle Virtual Credit Card, which provides a line of credit and a revolving balance based on your spending. In addition to competitive rates, our virtual credit card also offers up to 55 days interest-free on your purchases.

Apply now and take advantage of the competitive rates, reasonable repayment terms, and remarkable flexibility offered by our personal loans and Freestyle virtual Mastercard®.

Our customers

Medical Loans

Fast, fair and easy. Very happy customer. Happy to get another loan in the future from MONEYME.

Simple process, easy to follow application, quick response time and good support.

I was impressed with how easy and quick the application was. Very happy with their customer service, and the app is very convenient.


Review Stars Out of 2,701 reviews

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Transparent and
simple pricing

Interest rate

9.20 %
to 25.20 %

Comparison rate*

10.58 %
to 26.58 %

Establishment fee
(Direct applications)

$395 for loans between $5,000 and $15,000

$495 for loans between $15,001 and $50,000

Monthly fee


Loan terms

Minimum 3 years

Maximum 5 years

Early exit fees


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