Medical Loans

When your health can't wait.

Seize control by prioritizing your well-being. Take charge of your healthy future with a Plenti medical loan, offering low rates tailored to you.

Get your rate
Interest rates from
5.95
%
p.a.
Comparison rate*
5.95
%
p.a.

Join over 95,000 Australians who have realized their health aspirations with our low-rate loans.

We're a multi-award winning personal lender

Canstar Award for Outstanding Value - Excellent Credit - Personal Loans from 2015 to 2024Canstar Award for Outstanding Value - Excellent Credit - Personal Loans - 2024WeMoney Award for Non-Bank Lender of the Year 2025Highly Commended - Unsecured Personal Loans - Finder - 2025
Features

Simple rates,
tailored to you

We take the time to get to know you so we can offer you a better rate based on your good credit history.

$5k - $50k

loan amounts

1-7 year
loan terms

24hrs
settlements

$0
‍early repayment fee

$0
‍monthly fee

Personalised interest rate

See how our rates stack up

Compare our personal loan interest rates against the big 4 banks (including CommBank, Westpac, ANZ, & NAB)

Interest RatesComparison Rates
Plenti
from 0.00% pa
Bank
from 0.00% pa
Bank
from 0.00% pa
Bank
from 0.00% pa
Bank
from 0.00% pa
Rates as of 99/99/2999

‍Products shown do not represent all rates available from all lenders, or all rates available from the lenders presented. Plenti's interest rate is based on a borrower with an exceptional credit history using rates and fees applicable as at 13 October 2025. Plenti’s comparison rate is based on a $30,000 unsecured personal loan, repaid over a loan term of 5 years. More information on this comparison tool

All other interest and comparison rates displayed are the headline rate as advertised by the respective lender and exclude short-term promotional offers. Rates are typically updated daily, and you should check the relevant lender's website for the most up to date information.The actual product, rates, fees and charges you might be eligible for will be subject to the respective lender's eligibility criteria and may be different to the information shown on this page based on your loan term, loan amount and creditcharacteristics. You should check the lender’s website for the most up to date information.

Excludes any short term promotional rates. Other fees and charges not shown here may apply

Medical loan repayment calculator

Find out how much your loan repayments could be with a Plenti unsecured medical loan.

Loan amount   ⓘ
You can apply to borrow #_VALUE_# to #_VALUE_#
Loan term   ⓘ
You can apply to borrow #_VALUE_# to #_VALUE_#
Example interest rate: % p.a.
Comparison rate: % p.a.*
Estimated monthly loan repayments from
$
Total repayment (incl. interest and fees)
Get your rate

The calculator is designed as a guide only and is not a quotation or an offer of credit. The interest rates and monthly repayment amounts are indicative and based on the credit history selected. The loan amount you can borrow and your personalised interest rate and repayment amount may be different once you complete a loan application.

Process

Seamless borrowing experience

Our commitment to a faster, fairer experience sets us apart.

1. Get your rate

Answer 10 simple questions in as little as 60 seconds to estimate the rate on your medical loan.

2. Apply in minutes

Complete your loan application effortlessly within 10 minutes

3. Enjoy your funds

Once approved and accepted, you could receive your funds in as little as 24hrs.

Reviews

A 5-star experience
from start to end

Turn your somedays into today with an award-winning* fintech lender.

1,180
5-star reviews
2,582
5-star reviews
1,657
5-star reviews

Are you looking for another type of loan?

More about medical loans

What is a medical loan?

Suppose you've faced unforeseen health issues due to illness or injury or are about to face a planned medical or cosmetic procedure. In that case, the cumulative expenses of medical or dental treatments can become significant.

Opting for a medical loan might be a viable solution, especially if Medicare doesn't cover your procedure or you're dealing with out-of-pocket insurance costs.

What can I use a medical loan for?

Plenti's medical loans can be utilized for a diverse array of procedures, such as:

  • Audiology
  • Bariatric surgery
  • Cosmetic surgery
  • Dental expenses
  • Elective surgery
  • Emergency surgery
  • ENT Surgery
  • Hair restoration
  • Hip replacement procedure
  • IVF
  • Laser eye surgery
  • Medication
  • Obstetrics
  • Orthodontics
  • Orthopedics
  • Physical medicine and rehabilitation
  • Specialist appointments

Can you get medical loans for plastic or cosmetic surgery?

Elevate your self-confidence and well-being with a Plenti medical loan tailored for plastic and cosmetic surgery.

Here are a few examples of procedures that can be covered:

  • Dental work
  • External ear surgery (Otoplasty)
  • Eyelid surgery (Blepharoplasty)
  • Facelift (Meloplasty)
  • Facial implants
  • Nose surgery (Rhinoplasty)

Let Plenti support your aesthetic goals by providing accessible financing options for various cosmetic procedures.

Can you get medical loans for IVF and fertility treatment?

Certainly! A Plenti medical loan provides the flexibility to cover expenses related to IVF and fertility treatments. Our tailored financing solutions could ensure you have access to the necessary support without unnecessary financial strain.

How do medical loans work with private health insurance?

Your private health insurance policy may extend coverage for a portion of your medical expenses, depending upon the specifics of your plan and provider. A Plenti medical loan complements this coverage to bridge the remaining gap or out-of-pocket expenses.

This combination lets you access the necessary medical care without financial strain.

Important information*

This information does not constitute financial advice and you should consider whether it is appropriate to your circumstances before you act in reliance on it. Any opinions, forecasts or recommendations reflect the judgement and assumptions of Plenti as at the date of publication and may later change without notice.

Personal loans‍

*Comparison rate is based on an unsecured personal loan of $30,000 repaid over 60 months. Rates shown assume a customer with an exceptional credit history. Rates are current as at 13 October 2025. WARNING: This comparison rate is true 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. This estimate is not an offer, quote or approval of finance. The actual repayment amount and interest rate will be confirmed if an application is submitted and approved. All applications are subject to credit assessment and eligibility criteria. Plenti's credit criteria, terms and conditions, fees and charges apply.

Credit provided by Plenti Finance Pty Limited ABN 82 636 759 861 (supported by its servicer, Plenti RE Limited ABN 57 166 646 635) or Perpetual Corporate Trust Limited ACN 000 341 533, Australian Credit Licence number 392673 (as custodian). Plenti RE Limited holds Australian Financial Services Licence number 449176, Australian Credit Licence number 449176. Both Plenti RE Limited and Plenti Finance Pty Ltd are members of the Australian Financial Complaints Authority (AFCA). Plenti’s Target Market Determination is available here.

Representative example: Based on an unsecured personal loan of $30,000 over 60 months a borrower with an exceptional credit history can expect to pay a total of $34,757.21. This represents a comparison rate of 5.95% p.a. and includes all interest and fees included in your loan repayments over the life of the loan. Plenti personal loans are available for a minimum of 6 months to a maximum of 7 years. Interest rates range from 5.95% p.a. (comparison rate 5.95% p.a.) to 24.09% p.a. (maximum comparison rate 25.08% p.a.).

Comparison module

‍Products shown do not represent all rates available from all lenders, or all rates available from the lenders presented. Plenti's interest rate is based on a borrower with an exceptional credit history using rates and fees applicable as at 13 October 2025. Plenti’s comparison rate is based on a $30,000 unsecured personal loan, repaid over a loan term of 5 years.

All other interest and comparison rates displayed are the headline rate as advertised by the respective lender and exclude short-term promotional offers. Rates are typically updated daily, and you should check the relevant lender's website for the most up to date information.

The actual product, rates, fees and charges you might be eligible for will be subject to the respective lender's eligibility criteria and may be different to the information shown on this page based on your loan term, loan amount and credit characteristics. You should check the lender’s website for the most up to date information

Other fees and charges not shown here may apply. Rates shown are subject to change without notice. Information on this page does not constitute an offer of credit, or financial advice. Plenti RE Limited  ABN 57 166 646 635 holds an Australian Credit License number 449176  but does not provide credit assistance in relation to all products compared on this page.

Awards and customer reviews

All 5-star related claims are based on an aggregate count of 5-star consumer lender reviews across Google, TrustPilot and Product Review. Last count conducted on 15/4/25. Count excludes all major banks.

Our awards are listed at plenti.com.au/about/awards

Acknowledgement of Country

Plenti respects and honours Aboriginal and Torres Strait Islander Elders past, present and future. We acknowledge the stories, traditions and living cultures of Aboriginal and Torres Strait Islander peoples on this land and commit to building a brighter future together.

We recognise the Gadigal people of the Eora Nation, who are the traditional custodians of the land on which Plenti’s Sydney office stands, and the Kaurna people as the traditional owners of the Country where our Adelaide team is located.