Focus on Your Health — We’ll Handle the Finance
When it comes to your health or wellbeing, the last thing you need is financial stress.
At My Personal Broker, we make it easier to access the care you need with simple, transparent medical loans designed to fit your situation. From elective surgery to urgent treatment, our team will help you find a competitive loan quickly — so you can focus on getting better, not worrying about how to pay for it.
What Can a Medical Loan Be Used For?
Medical loans can help cover a wide range of health-related expenses.
We’ll work with you to secure funds tailored to your needs.
You can use your medical loan for:
- Surgical procedures – elective, cosmetic, or essential treatments
- Dental care – orthodontics, implants, or restorative work
- Vision correction – laser eye surgery or related procedures
- Fertility and IVF treatments – helping families plan their future
- Medical equipment or rehabilitation – mobility aids, therapies, or recovery costs
- Unexpected medical bills – bridge the gap when private health or Medicare doesn’t cover everything
Why Choose a Medical Loan from My Personal Broker
Health decisions are personal — and your finance should be too.
We’ll help you understand your options clearly, find the best available rates, and keep the process confidential and stress-free.
Here’s what makes us different:
- Fast approvals – often within 24–48 hours
- Private and confidential service – your information stays secure
- Transparent rates – no hidden fees or confusing terms
- Personal support – real people ready to answer your questions
- Access to multiple lenders – find the most competitive deal
Secured or Unsecured — Flexible Options to Suit You
Depending on your circumstances, we can help you find the loan type that fits best.
| Loan Type | Best For | Key Benefits | Considerations |
|---|---|---|---|
| Secured Medical Loan | Borrowers with an asset such as a car or property | ✅ Lower interest rate ✅ Higher borrowing limits |
Requires collateral; your asset secures the loan |
| Unsecured Medical Loan | Borrowers without security or who want faster approval | ✅ No asset required ✅ Fast application process |
May have a slightly higher interest rate |
Not sure which suits your needs? Our brokers will guide you through both options — clearly and confidentially.
Medical Loan vs Credit Card or Payment Plan
f you’re facing a medical expense, you might be wondering whether to use a credit card, a clinic payment plan, or a medical loan.
Here’s how they compare:
| Feature | Medical Loan | Credit Card | Payment Plan |
|---|---|---|---|
| Interest Rate | Often lower, fixed for the loan term | Higher, variable, compounding | May include setup or admin fees |
| Repayment Plan | Fixed, structured repayments | Flexible, but can extend debt | Usually short-term and limited |
| Loan Amount | Based on your needs and eligibility | Limited by credit card cap | Restricted to specific provider |
| Flexibility | Can be used for any medical provider | Used anywhere credit cards are accepted | Must use approved clinic or service |
Our advice
If you need flexibility, privacy, and a fixed repayment plan, a medical loan is usually the simplest and most affordable option.
Frequently Asked Questions
What medical expenses can I cover with a loan?
Almost any health-related cost, including procedures, dental, fertility, or recovery expenses.
How long does approval take?
Most applications are approved within 24–48 hours.
Will applying affect my credit score?
A credit check is part of the process, but managing your loan responsibly can improve your score over time.
Can I repay my loan early?
Yes. Many lenders allow early repayment with little or no penalty — we’ll confirm before you apply.
Case Study: Regaining Confidence and Peace of Mind
Emma, a 32-year-old designer from Melbourne, needed dental surgery not fully covered by her insurance. She was anxious about both the cost and the process.
Through My Personal Broker, Emma secured an unsecured medical loan that covered her treatment and follow-up appointments — with fixed repayments that fit her budget.
The outcome:
- Affordable repayments over a manageable term
- Funds available within two days
- Relief knowing everything was handled privately and efficiently
“They made it easy from the first call. No judgment, no pressure — just clear, caring support. I could focus on my recovery instead of the bill.”
— Emma, VIC