Prioritise health.
Medical loans for a healthy life.

Stop putting your health to the side. With a Rapid Loans medical loan, you can make your health a priority.

We are here to help

Medical Loans

The Australian healthcare system is one of the best healthcare systems in the world. However, there are many elements it doesn’t cover and this can sometimes catch people off guard. This is where a personal loan used for medical expenses can be a useful solution to cover costs quickly.

Many medical expenses are expensive and can cause financial strain when the costs unexpectedly arise. Another factor to consider is that emergency medical treatment often can’t wait. In situations where you or a family member needs urgent treatment, you’ll need funds to immediately pay the medical expenses. In such situations, you may need medical assistance that is not covered by the health care system.

If you have a pending surgery or treatment but are delaying it because of a lack of funds, there’s no need to wait until you’ve saved up enough money. With a Rapid Loans medical loan, you can have the treatment or surgery done immediately, and you can repay gradually on a structured repayment plan that suits you. Here at Rapid Loans, we understand the importance of your or your family’s health – that’s why we made our application process as quick and easy as possible.

Prioritise your health with a Rapid Loans medical loan. What is a medical loan? It is basically an amount of money that a lender like Rapid Loans lends to pay off medical surgery or treatments.

Australians are lucky because of our elite health care system that covers the cost of a lot of doctor visits and treatments for Australian citizens. However, free health care has limitations.

Security with Rapid Loans Secured Loans. Here at Rapid Loans, we offer only secured medical loans. The difference between a secured and unsecured loan? A secured loan is a loan where the lender takes a security interest in a borrower’s asset. An unsecured loan has no guarantee in the event that the borrower fails to repay. This type of loan often accrues higher interest rates and fees.

Our secured Rapid Loans medical loan is easy to understand, and the entire process can take as little as 48 hours.

If you are unsure what repayments are, they are the amount you agree to pay your lender on a regular schedule. This could be on a weekly, fortnightly, or monthly basis.

Rapid Loans treats each client as family and as an individual with unique finances, needs, and lifestyle. We understand that your situation can change throughout the duration of the medical loan. To help you deal with life changes when they occur, we provide friendly phone and email support you can conveniently access. We also do not charge fees for early or additional repayments.

How We Process Your Medical Loan Application. Three of our core pillars are convenience, innovation, and confidentiality. This is the reason our medical loan application process has been integrated through our advanced technology that is superior in safety and security.

Throughout the collection and analysis of your personal documents like your bank statements, you can have peace of mind that your personal information is kept strictly confidential.

Through our advanced and innovative technology, each Rapid Loans loan application process is made simple and straightforward. It also allows us to quickly determine the outcome of your medical loan application and make prompt action with your desired funds upon approval.

No Less Than Exceptional Customer Service. Our dedicated and experienced loan consultants will give you straight answers and process your application. With Rapid Loans, you won’t deal with just another call centre. Expect the best personal service throughout your partnership with us, as well as a loan product that meets your need and ongoing support from our dedicated consultants. You can expect the consultant assigned to you to be friendly, professional and knowledgeable in every aspect of our loan products.

Our team takes the time to hear and understand your unique needs. We personalise our approach to continuously provide a safe and welcoming experience for each client. You can have peace of mind knowing your application is in good hands.

We prioritise every client and health need, and it’s our goal to help everyday Australians like you to get that medical treatment and invest in your long term health and wellness while we handle the short term finances.

Rapid Loans is an Australian-owned and operated company that has been in operation since 2003. Our 20 years experience in the industry has allowed us to continuously bring great knowledge and innovation to our clients. Our dedication to each and every client achieving their health goals through medical loans is unparalleled.

We take pride in our skills to make medical loans more accessible to different types of borrowers. We aim to help you achieve your medical goals in the most convenient way possible. With Rapid Loans, your application is in good hands with a lender who is on your side!

Put Your Healthy Future First. There are few things in life that are more important than good health. Without good health, virtually everything in life will be affected.

This is why we offer secure and fast medical loans so you won’t need to hold off that medical treatment for you or your precious loved one. If you’re looking for a secure medical loan in Australia, Rapid Loans is your answer. Take the first step today and find out exactly how we can help fund your medical needs.

Your wellbeing can’t wait. Take control. Call Rapid Loans to apply for a medical loan today.


Stress Free

We understand that when it comes to choosing and deciding where to borrow money, it can quickly get stressful. In times of your deepest need, like medical emergencies, stress is the last thing you’ll want.

Trusted Lender

Securing a medical loan through Rapid Loans can help take the stress out of your days and nights. We are a trusted lender that will welcome you and make you feel safe with your medical loan.

Understanding Team

Our team understands the unique situation of each applicant and will assess your application holistically. If you’re eligible for a loan with us, we will work with you to determine a loan amount and repayment scheme that is best for your lifestyle and financial situation.

How it works

Apply Online

Complete our easy online application form. Don’t worry, we only need the important stuff to get you moving.

Upload Documents

Upload your important docs via our secure online platform. We’ll tell you what you need, and it only takes a few minutes.

We’ll Get In Touch

Your application will be reviewed and one of our friendly loan consultants will be in touch soon!

Receive Funds

If approved, have your funds faster than you can say Rapid Loans! If you applied in the morning, they could hit your account the very same day.

We are here to help you

Frequent Questions

Find the answers you are looking for by browsing through a number of questions we get asked a lot.

Who can apply for a medical loan?

If you’re a full-time employee, you are welcome to apply. However, even if you’re not working full time, you can still apply if you are:

– A casual or part-time employee
– Recipient of government benefits
– A self employed business owner or subcontractor

What do I need to apply for a loan?

Getting your documentation ready to support your application for a loan is not hard but there are three basic things we need to know:

– Your identity
– Your financial circumstances
– Your lifestyle

What can I use a Rapid Loans medical loan for?

There are a few things you can use your Rapid Loans medical loan for:

– Dental Expenses
Many of us don’t like going to the dentist. Unfortunately, dental appointments are a necessity in life, and they’re not cheap.

If you need dental work done, like a root canal or having painful wisdom teeth removed, remember that the Australian health care system doesn’t cover dental services. Thus, if you or a family member have to go to the dentist and are struggling with funds, get in touch with Rapid Loans for a dental loan.

– Specialist Appointments
Medicare doesn’t cover most specialist appointments in Australia. A solution to this is to be part of the Chronic Disease Management program. If your condition is eligible to be a part of the program, you can receive up to five rebates per calendar year on part of the price of your specialist appointment. However, you’ll still need to pay a part of the cost from your own pocket.

Medical specialists aren’t cheap and often require more than one visit, so the costs can pile up. If you require specialist treatment but find yourself unable to pay the costs, contact Rapid Loans for a medical loan to get treated immediately.

Ambulances are non-negotiable and may save you or your family member’s life in urgent situations. However, ambulance costs are only free for citizens of Tasmania and Queensland, so if you’re in another state you’ll be required to pay for this life saving service.

If you’ve recently required an ambulance and now have a large bill that you can’t afford to pay, you can take out a medical loan with Rapid Loans and just pay it back over a period of time.

– Cosmetic Surgery
Many times cosmetic procedures are not urgent, but that doesn’t mean you have to wait to get yours done. Cosmetic procedures are often expensive and are rarely covered by Medicare. Medicare may only cover part of a cosmetic surgery’s costs if it’s to improve the function of a malformed body part or if it’s linked to an accidental injury.

If you want a cosmetic procedure but don’t have funds, you can have it done as soon as you wish by taking out a Rapid Loans medical loan.

How do I apply for a Rapid Loans medical loan?

The Rapid Loans medical loan online application is quick and easy. To make it more convenient for you, we’ve set up everything online so you can complete the process through the online from a computer or your phone. In just a few steps, your medical loan could be approved and you’ll have the funds you urgently need.

1. Gather your identity and financial documents.
2. Read the “Your Privacy and the Provision of Credit” document.
3. If you agree to the above document, click “Apply Now” on our website and fill out the online form. We ask only for the necessary information that we need to process your application. That’s why the whole process takes an average of 2-3 minutes.
4. Wait for a phone call in just a few business hours from one of our friendly consultants. Our goal is to get back to you in less than 3 business hours.

We are professional lenders who are dedicated to responsible application assessment. This is why every lending application is carefully examined to make sure each of our clients are applying for a suitable loan for their medical needs and meet important affordability criteria.

If your application is successful, you can expect that upon approval of your medical loan application, your health funds could be in your account within a day.

Will the funds be available the same day?

We always aim to be as quick as possible with transferring funds to successful applicants. Depending on the time and day of the successful application, the funds may be available in the client’s bank account the same day or the next business day.

Do you offer fixed interest rates?

Yes, personal and car loans from Rapid Loans have a fixed interest rate outlined in your contract. This will vary depending on a number of factors such as borrower profile, loan product and principal amount.

Do you charge early repayment fees?

No, Rapid Loans does not charge any fees for early payouts or additional repayments on top of the normal repayment schedule.

What is a p.a. comparison rate?

The comparison rate gives you a true understanding of the cost of the loan per year. In addition to interest rate charged, it factors in the cost of fees and charges, repayment frequency, loan term and loan amount.