Discover Jacaranda Finance



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$300 $4600
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Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%). Click here to see a worked example.

The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable. Click here to see a worked example.

Medical loans for bills up to $4,600

Medical loans from $300 to $4,600 repaid over 12 to 24 months! Apply now!

Having to go through any kind of medical treatment can be very stressful. Whether it be emergency treatment or specialist appointments, it can be a daunting time for yourself and your family. Medical treatment is not cheap and can really put a strain on your finances. Not only are you nervous and frustrated but you’re also stressing about how on earth you’re going to pay for it all. Medical loans might be just what you need to make a stressful situation a little less hairy.

Don’t spend time worrying about your medical finances when there are far more important things to be focusing on. Like your health and recovery! Apply for a medical loan with Jacaranda Finance and you can nurse yourself and your finances back to full health!

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What are medical loans?

Medical loans Australia are personal loans that will help you with your medical finance. Becoming sick or getting injured to the point where you need medical treatment is a scary time for anyone! Medical loans will allow you to get the quality care you need without the added stress of money.

Our medical loans are easy to apply for, have fast approval times and offer same day cash straight to your bank. You won’t need to twiddle your thumbs for days waiting for a response, we’ll give you one straight away! We understand how sensitive a time like this can be and we want to do anything we can to help. Therefore, our loans for medical procedures are here for when you need them.

We offer 2 types of medical loans. These are:

Small personal loans

Medium secured personal loans

Our medium secured personal loans require an asset to be attached to them for security. Generally, you would attach a car, motorbike, or even caravan that you own. This is all done in the application process and only adds 1 minute or 2 to the time it takes to complete the form. You’ll just need to send some photos of your vehicle, clearly showing the number plate, as well as the registration number and your certificate of ownership. Just so we know it’s yours.

To find out a little more about small personal loans and medium secured personal loans, check out the ASIC Moneysmart website.

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Who can apply for a medical loan?

To qualify for our medical loans, you just need to meet our basic eligibility requirements. We ask that you are:


Be over 18 years of age

Receive a regular income into a personal bank account

Be an Australian citizen, or have permanent residency

mobile wifi
Have a direct contact number

If this sounds like you then head back to our homepage and click the ‘Apply Now’ button to get started with your medical loans application.

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How logn does it take to recieve medical loans Australia?

We offer some of the fastest medical finance Australia has to offer! Our application process takes mere minutes to complete and everything is very straightforward. When applying for medical loans with Jacaranda Finance, you can expect to need about 4 spare minutes to fill out the application form.

Once you’ve clicked ‘submit’ we’ll tell you straight away if we think we’re a good match for you. This is just because we know how stressful and time-sensitive applying for medical loans can be and we don’t ever want to take up more of your time than we have to.

So, if we’re not able to make you an offer, we’ll tell you right away. Otherwise, you’ll receive conditional approval on your application. We’ll get back to you within 60 minutes with an offer and, if you’re happy, we’ll send you an electronic contract to sign. As it’s electronic, you won’t need to worry about printing out the contract and scanning it back. Just sign it online and a copy will be sent back to us. You’ll also be able to download a copy for yourself.

Once we’ve received it, we’ll release the funds straight away. You could see the money in your account within minutes. However, that is up to the policies of your bank. Most clients receive their money that same day. The worst case scenario would be the following business day.

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Can I get medical loans with bad credit?

As responsible lenders, we do conduct credit checks on new clients. However, we’re all about giving everyone a fair go! Therefore, we’ll take a look at much more than just your credit history. We believe we get a much clearer representation of your true financial situation by assessing your income and overall relationship with money. We understand that everyone makes mistakes, especially in times of financial hardship. Therefore, we make sure we focus more on your current situation and not your past mistakes.

We use cutting-edge technology to access read-only copies of your bank statements from the last 90 days. This is done using the internet banking credentials you provide us with on the application form. Our system will assess your income and expenditure and use machine learning to determine your ability to repay your medical loans. This is the most secure, efficient and accurate way of assessing your situation and it ensures that everyone’s application is processed fairly and thoroughly.

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Do you approve medical loans for low-income earners?

At Jacaranda Finance, we are happy to accept applications from people from all walks of life. We know how quickly medical bills can add up and we would never want to exclude someone from much needed medical finance. However, we do require that you’ll be able to comfortably repay your loans for medical procedures.

As long as you have a regular and stable income, whether it be from work wages or Centrelink, you’ll be one step closer to getting the medical loan you need.

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So, you do medical loans for Centrelink recipients

Yes, we do! All you need to do is meet our basic eligibility requirements in terms of your income. Otherwise, it doesn’t matter if you are working or receiving Centrelink payments. We’ll just ask you to provide us with your MyGov account details so we can take a look at your Centrelink income statement and verify your earnings.

The only reason your medical loan application would ever be declined is if we don’t believe you’re able to afford the loan repayments. It won’t matter if you receive your income from Centrelink or work wages or even if you have bad credit. If it’s clear that medical loans would hinder your financial situation more than they would help it, we won’t be able to approve your application.

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What are some things to consider before applying for medical finance Australia?

We know that if you’re applying for a medical loan it’s likely that you’re under a great deal of pressure. This is completely justified. However, it’s easy to make rash decisions when you’re feeling a little emotional. No matter what the situation, it is important to always consider certain things before applying for medical loans. These are some important questions that you should ask yourself:

Once you’re comfortable with these factors associated with medical loans, it’s time to apply!

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So, how much do medical loans Australia cost?

The cost of your medical finance is one of the most important things to consider before applying. This is because you don’t want to leave yourself short when it comes to making the repayments. If you know that the repayment amounts won’t fit into your budget comfortably, you might want to consider borrowing a lesser amount or waiting until your situation changes a little.

The costs associated with our medical loans are:

Small person loans:

Medium secured personal loans:

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How do I repay my medical loans?

Making repayments are the simplest part of the whole process. Before you sign your electronic contract, one of our lovely customer service attendants will ask you to select a day – either weekly, fortnightly or monthly – on which you’d like your payments to come out. Generally, we recommend setting your payment day up in line with your payday to ensure you’ve always got enough money in your account and you’re not leaving yourself short.

Once you’ve selected your payment day, we’ll go ahead and organise for the money to be directly debited from your account on that day for the duration of your medical loans. You won’t need to set reminders or worry about missing payments because they’ll automatically come out of your account. You just need to make sure you’ve always got enough money in your account otherwise you could be charged with a dishonour fee if an automatic payment fails to come out. If you are having a tough week and you’re unable to make a payment, you should contact us as soon as possible as we’ll be happy to come up with a solution that is suitable for everyone. Communication is key if you want to avoid unnecessary charges.

What happens once I’ve paid off my medical loans?

Once your medical loan has been completely paid off, the payments from your account will stop automatically. So you won’t have to get in touch to cancel your payments or worry about any reminders. The money will simply stop coming out of your account.

Another piece of good news is that we won’t charge you for paying out your loan early. If you’re on top of your finances and you decide you’d like to pay off your loan early and put it behind you, you won’t be charged to do so. In fact, you’ll end up saving money on interest rates and monthly fees. We always encourage making extra payments where you can to minimise the cost of your medical loans.

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What will I need with me to apply?

The beauty of our application process being 100% online is that it’s so easy to apply! Firstly, you can apply anywhere at any time. However, if you do submit an application outside our normal hours, it may take a little longer for us to process it. All you’ll need with you to apply is:

That’s it! So, what are you waiting for?

Apply now for your loans for medical procedures and let us help you nurse yourself and your finances back top full health!

Example of how our small personal loans work

Loan amount

$300 minimum
$2,000 maximum


Up to 20% Establishment Fee charged upfront + monthly fee up to 4%

Under the current legislation Jacaranda Finance Pty Ltd does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%).

In APR terms, the maximum annual percentage rate on our loans between $300 and $2000 is 199.43%.


weeks minumum
weeks maximum


Loan Amount of $1,000 over 50 weeks repayable weekly $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $480 (fees based on 4% per month over 50 weeks) = $1,680 total repayable in 50 weekly installments of $33.60.

Example of how our medium secured personal loans work

Loan amount

$2,001 minimum
$4,600 maximum


Annual Percentage Rate (APR) is 48% Comparison rate is 66.0347% p.a.

This comparison rate is based on a Jacaranda Secured Medium Loan for an amount of $2500 over 2 years and a $400 establishment fee. Fees and charges are payable.


months minumum
months maximum


Loan Amount of $3,000 over 18 months repayable weekly $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,378.87 (other fees) = $4,840.14 total repayable over 18 months with weekly instalments of $61.27.

For more information about the allowable fees and charges for SACCs & MACCs visit the MoneySmart website.

What our clients say

Medical loans from $300 to $4,600 repaid over 12 to 24 months! Apply now! Overall rating: 4.7 out of 5 based on 148 reviews.

Great easy application

5 5 1
Very fast easy to apply thank you so much