Discover Jacaranda Finance



We give you the outcome of your application with 60 minutes


Quick Turnarounds & Decisions
$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.

Medical loans, NO paperwork, Fast approval, 100% online

Medical loans getting you down? We can help you with a loan to cover your costs fast! Medical bills can pile up quickly! And when it’s an unexpected bill it can be even more challenging.

What are Medical loans?

A Jacaranda Finance Medical loans are a small loan, usually between $400 – $2,000. The nominated amount is paid into your bank account for the purpose of repaying medical bills.

Who can get Medical loans?

To be a successful applicant for you need to be:

If you have any questions or queries feel free to call and chat to our friendly customer service staff or apply online using the APPLY NOW button at the top of the page, it only takes 4 minutes!

I’m looking for Medical loans without a credit check, do you do credit checks?

Yes we do. Here at Jacaranda Finance we take responsible lending seriously and we do adhere to strict legislation around ensuring our customers can afford the loans that we approve. Therefore we do perform credit checks on our medical loans.

We are however, much more lenient than traditional lenders so please apply and we will have one of our customer service representatives process your application.

Do you approve Medical loans for low income workers?

Yes we do! Here at Jacaranda Finance we believe that everyone deserves a fair go and we are happy to accept all applications through our processing phase.

We do however require that you can afford to repay the loan, we will never approve a loan that we don’t think you can afford.

Successful medical loans applicants will need to have a regular income of at least $400 a week or $800 a fortnight, dependent upon the amount of their loan.

We do accept income in the form of Centrelink payments, as long as they are being received into a personal bank account and are at least $400 a week.

Medical bills can add up very quickly between x-ray’s and appointments.

However, there is no need to worry as all you need to do is hit the APPLY NOW button at the top of the page.

Fill in the application form and we can have the money from your Medical loans to you within 60 minutes!

medical loans

medical loans

What if I have bad credit? Do you do Medical loans for people with bad credit?

Yes. We assess our clients through bank statements and your ability to prove that your saving habits have changed, as we believe this is a more current snapshot of your saving ability.

We do however adhere to strict responsible lending regulations and won’t lend to anyone who we deem cannot afford one of our medical loans.

We do also perform credit checks as a part of our application process, however we are much more lenient than traditional lenders.

We encourage all to apply using our application process and talk with our friendly staff to decide whether you are eligible for one of our medical loans.

How do I make my medical loans repayments?

Repaying your medical loans couldn’t be easier!

Once your loan is finalised we will set up a direct debit for you straight from your account, no need to worry about paying those pesky bills on time!

You will be able to nominate a day and an amount that works with your budget and it will be automatically deducted from your account each week.

Once the loan has been paid in full the direct debits will automatically stop, no fuss, no worry all taken care of for you!

Things you should consider when deciding on medical loans?

Finally, if you are looking for a fast processing, no paperwork, online loan then look no further because Jacaranda are waiting for your application. What are you waiting for? Start your partnership with Jacaranda today and get your finances back on track!

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(%).


weeks minumum
weeks maximum


Loan Amount of $1,000 over 50 weeks repayable weekly $1,000 (Principle 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, NO paperwork, Fast approval, 100% online 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