Medical Loans up to $25,000!

  • Medical Bills Covered
  • Medication, consultation, treatment, dental and more costs covered...
  • Simple Online Application
  • Apply in minutes with a fast loan decision in 60 minutes1!
  • Get Your Best Loan Rate
  • Get the best personal loan rate we can give you3 - fast!
  • Loans Paid Out in 60 Seconds
  • Get your money sent to your bank account after signing your loan contract2
Medical Loans
Car Loans

Personal Loans Interest Rates

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $11,965.68. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 12.05% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 8.69% (12.05% comparison rate) and a starting maximum of 21.24% (32.52% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months.

WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan.

Medical Loans with Noddle!

Noddle offers personal loans for medical expenses from $2,100 up to $25,000. Not only can we assist with covering the costs of medical procedures or surgery, but we can also assist with many kinds of associated costs such as travel, medication and even appointments and consultation costs.

There are many types of medical costs which a Noddle loan could help cover, from hospital bills, dental bills, laser eye surgery through to fertility treatment and elective or cosmetic surgery.

  • Medical Bills
  • Hospital Bills
  • Appointment & Consultation Costs
  • Dental Procedures & Bills
  • Emergency Treatment
  • Surgery
  • Laser Eye Surgery
  • Medication
  • Rehabilitation Costs
  • Elective Surgery
  • Cosmetic Surgery
  • Fertility Treatment
  • Equipment
  • Overseas Treatment
  • Travel & Hotel Expenses

Borrowing with Noddle

Your Loan Application

With Noddle, we offer loans from $2,100 up to $25,000. During your application online, we will ask some simple details about what you need the loan for, and in this case for medical expenses and bills of some kind. Don't worry, we don't get too personal with this, all we need is a category for the loan and how much you wish to borrow. We will also need to verify your personal details, such as who you are, where you live and your contact number. After that, we will need you to clarify your income and expenses, so we can verify them against your bank statements. When we have all of this, we will be able to work out the affordability of your loan and find the best loan product and rate that we can, that works for you.

Most customers can complete their fast medical loans application in around 6 to 12 minutes.

Get Started

Loan Decision in 60 Minutes

We can usually give you a decision on your medical loan application within 60 minutes of completing your application with us1. We will do our best to offer you the best medical loan rate that we can, based on your personal financial situation. Matching your application requirements against our loan products and in some cases with our partners for the best medical loan terms that we can provide you.

Payout in 60 Seconds

If after reviewing your application and we have given you a loan offer and you are happy with the rate and the terms, just sign the loan contract and we can pay your loan directly into your bank account within 60 seconds2!

What kind of treatment is covered by a medical loan?

All kinds of medical treatment and proceedures can be considered for a medical personal loan including consultation fees, medication costs, surgery and after care. Other associated costs can also be bundled into the loan, such as transportation, equipment and even the costs of everyday living expenses for time taken off work. Noddle will need to know one or two of the larger costs involved as part of your application and responsible lending requirements, to ensure the amount you are borrowing is appropriate for the intended loan purpose. If the amount and the purpose do not alaign, we may need to request some further information. However as the personal loan will be paid directly into your bank account, you will be able to disperse the loan to pay for the various costs as needed.

Do I need to get a quote or an invoice for my treatment to access a medical loan?

It is not required in most cases, especially for smaller loan amounts. However, it may make sense for you to account for all the expenses involved by getting a quote or invoice where possible prior to arranging any medical treatment or loan.

Can medical loans cover the costs of medication?

Yes they can cover the cost of medication and medical equipment needed and other associated costs.

How quickly can I get a medical loan approved for urgent treatment?

With Noddle, it is possible to get your loan approved and your loan funded to your bank account on the same day that you apply2, if you apply during our regular office hours. In most cases your loan application can be reviewed and an approval decision made within 60 minutes of completing your application1. All you would then need to do is review the loan contract and sign your loan online. After that, your funds will be sent to your bank account in 60 seconds2.

Can medical loans cover cosmetic treatments?

Yes, they can. Both elective and reconstructive surgery can be covered by a medical loan.

Are dental loans covered by Noddle medical loans?

Yes, dental treatment such as fillings, root canals, braces or other dental proceedures and costs can be covered by a medical loan with Noddle.

Can a medical loan fund proceedures overseas?

Yes they can. They can help towards all the associated costs involved as well, such as flights, hotels, consultations and after care, as well as everyday living costs, during the time away and during rehibilitation.

Note that you must accept the loan while residing in Australia, consequently, prior to any overseas medical proceedures.

Can medical loans be used to cover vet bills?

Medical loans and vet bill loans are both types of personal loans offered by Noddle.

Can I use a medical loan to see a therapist?

Yes, the costs of seeing a therapist can be covered by a medical loan with Noddle.

How can I qualify for a medical loan with Noddle?

As a general guide, all borrowers must meet our basic criteria below:

  • Over 18 years of age
  • An Australian Citizen or Permanent Resident
  • Have a regular income
  • Use internet banking
  • Have a mobile phone and email address

How long will I have to repay my medical loan?

The loan term will depend on how much you need to borrow with Noddle - up to $25,000. Generally, a medical loan with Noddle will range between 12 and 36 months.

Do I have to provide security to get a medical loan?

No, you do not have to provide security to qualify for a loan with Noddle. However, if you do provide security against your loan, you may be able to access a better loan rate or even borrow more money, depending on your own individual circumstances.

Will my application be recorded against my credit file?

Noddle will request information stored against your credit bureau information, to be used as part of our loan decisioning process. As a consequence, yes, your application may be recorded on your credit file.

What are the costs involved when taking out a medical loan with Noddle?

Please see our Costs & Charges page for more details.

Does the treatment have to be for myself?

No, that is not necessary. You may request a medical loan for treatment of a friend or family member.

Personal Loans Interest Rates

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $11,965.68. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 12.05% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 8.69% (12.05% comparison rate) and a starting maximum of 21.24% (32.52% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months.

WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan.

60 Minute Loan Decisions

1 60 Minute Loan Decisioning and Approvals are an average, to be used as a guide for a typical customer and are not guaranteed. 60 Minute Loan Decisioning and Approvals are not available when applicants apply outside of our normal business hours of 8am till 4pm Monday to Thursday, 8am till 12 noon on Fridays and Saturdays AEST or public holidays.

Loans Paid Out in 60 Seconds

2 It is possible to have your funds sent to your bank account in 60 seconds, if you have a New Payment Platform enalbled (NPP-enabled) bank account. A large number of Australian banks use NPP including ANZ, Bendingo Bank, Bankwest, Bank of Melbourne, Commonwealth Bank, Citigroup, HSBC, ING, NAB, St.George and more. Check whether your financial institution is NPP-enabled.

Best Loan Rate for You

3 Noddle does not have one fixed loan rate which it uses for all customers and loan applications, but will offer tailored loan rates depending on your individual circumstances and financial profile, as reviewed, during your credit assessment. Noddle will work to offer our best loan rate we can give the customer. If we can't assist a customer at our best rate, we will review the application against the next tier and rate until we find a match for the customer. This allows us to say 'yes' and give more customers 'the nod' with Noddle.

If Noddle is unable to assist with a loan directly, we may refer the application to a third party panel of lenders to 'get the nod'.