Medical loans
Free-thinking medical loans like our unsecured personal loan could help you look and feel your best.
Medical loans
Funding for medical expenses
A medical loan is an unsecured personal loan that can be used for a range of healthcare and medical expenses. These include dental work, laser eye surgery, specialist visits, and elective or cosmetic procedures. Liberty offers medical loans with flexible loan amounts and repayment options to help borrowers manage medical costs.
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Find peace of mind with our medical loans
From transforming your smile to managing unexpected expenses, our medical loans could help you prioritise your health and wellbeing.
Get the support you need with an unsecured personal loan today.
Borrow up to $80,000
Receive money quickly
Simple online application
Loan terms of 3, 5 or 7 years
Discover your personalised online fixed interest rate in under two minutes, without affecting your credit score.
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Need a personal loan to support your health? Find your rate today
At Liberty, we understand your circumstances are unique and deserve a personalised approach.
Our free-thinking medical, laser and dental loans come with the certainty of fixed repayments and no early-exit fees — giving you the option to pay the balance off faster in the future.
Let us take care of the numbers so you can focus on taking care of yourself. To see what your unsecured personal loan could look like, head to our online rate estimator today. Rates start from 6.89% p.a. (6.89% p.a. comparison rate1B) for an unsecured personal loan. Checking your rate won’t affect your credit score.
Easy to understand features, variables and fees
Features
Accepted purpose
Fees
How can I use a medical loan?
Learn how you can look and feel your best with our medical, dental, and laser loans.
Medical procedures
From scans to minor surgeries, out-of-pocket healthcare expenses can quickly add up. With Liberty's medical loans, you’ll be supported to put your health first.
Laser eye surgery
Look towards a brighter future with the help of Liberty’s laser loans. From the initial tests to laser eye surgery, we’re ready to help you improve your vision faster.
Dental treatments
From teeth whitening to braces and root canals, Liberty’s dental loans provide the flexibility needed to put a smile on your dial.
Specialist visits
Bypass the waiting lists and get the help you need with our medical loans. From dermatology to paediatrics and more, you could visit a specialist sooner.
Cosmetic surgery
From enhancements to reconstructions, cosmetic surgery could help boost your self-confidence. No matter what your goals look like, Liberty’s medical loans could help you achieve them.
Unexpected expenses
We understand that unexpected events happen. With free-thinking medical loans in your corner, you can get the support you need, when you need it.
Our innovation and flexible solutions have helped nearly one million free thinkers.
Ready to get moving?
Wherever you are in your journey, help is here however you need it.
Calculate your repayments
Our calculator can help you work out what your loan repayments could be.
Get your personalised rate
Get a personalised interest rate in 2 minutes with our online application. Checking your rate won't affect your credit score.
Apply online
Our streamlined application is fast and fuss free with funds delivered quickly.
Medical loans FAQs
From covering unexpected expenses to funding your health and wellbeing goals, our free-thinking medical loans can help you put yourself first. With fixed repayments and no early exit fees, you can spread healthcare costs over the life of your loan while having the option of paying it off faster in the future.
Our medical, laser, and dental loans are designed to help you get the support you need, faster. From elective surgeries to specialist care, they can help you prioritise your wellbeing by assisting with expensive medical bills. If your online application is approved, the funds will be deposited directly into your account as a lump sum.
We understand that healthcare can be a deeply personal journey, which is why we offer medical, laser and dental loans tailored to your needs. With fixed repayments, no early exit fees, and support for a wide range of treatments, our medical loans are here to help you focus on what matters most – yourself.
Yes, dental loans – like our medical and laser loans – can be used to help manage the upfront cost of urgent care. With a quick online application process and fast funds, you could get the support you need when unexpected issues arise.
If you’re over 18 years old and a citizen or permanent resident of Australia, you can apply for a Liberty personal loan and use it for medical purposes. Applicants need to be employed and earn a minimum of $20,000 per year to be eligible (the majority of income cannot be from Government benefits).
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Learn more about free-thinking personal loan options.
Things you should know:
1BUnsecured personal loan interest rates will range from 6.89% p.a. to 19.99% p.a. and will depend on our assessment criteria and the personal loan product you qualify for. Comparison rates range from 6.89% p.a. to 21.49% p.a. This comparison rate is based on an unsecured $30,000 loan over a 5-year term. 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 rates.
2AOther fees and charges may apply, such as dishonour and late fees.
3BThis fee ranges from between 0% to 5.50% of the loan amount, depending on your risk band. The fee is capped at $950.
Approved applicants only. Lending criteria apply. Fees and charges are payable. All rights reserved | Liberty Financial Pty Ltd ABN 55 077 248 983 | Credit provided by Secure Funding Pty Ltd ABN 25 081 982 872 | Australian Credit Licence 388133 | Both trading as Liberty Financial.