Medical Loans – Support When Health Costs Add Up
When health expenses appear out of nowhere, they don’t always line up with your pay cycle. Medical loans from Trusty Finance give you a simple way to manage out-of-pocket costs, with secured personal loans from $2,100–$5,000 and no hidden fees. Apply online in minutes and get support that keeps you focused on recovery, not just the bill.
Borrow up to $5,000 when you need it most.
Jump to:
What is a Medical Loan?
A medical loan is a personal loan designed to help you cover health-related expenses when Medicare, private health cover, or your savings don’t stretch far enough. With Trusty Finance, a medical loan is a secured personal loan between $2,100 and $5,000, backed by your motor vehicle and repaid in clear, regular instalments that fit your budget.
You receive a lump sum upfront to manage medical bills, then repay over a fixed term with no hidden fees. Everything is handled online, so you can sort your medical finance from home, work, or the waiting room – wherever you are.
Why Choose Trusty Finance for a Medical Loan?
Trusty Finance keeps medical loans straightforward, especially when life already feels busy or stressful.
Borrow what you need
Flexible loan amounts to suit your financial gap.
Fast approvals
Because life doesn’t pause for you to catch up.
Affordable repayments
Manageable instalments that fit your budget.
What Can a Medical Loan Cover?
A Trusty Finance medical loan can help with a wide range of health-related costs, such as:
GP, Specialist, and Clinic Fees
Cover out-of-pocket costs for appointments, referrals, and follow-up visits when Medicare rebates don’t cover the full bill.
Hospital and Day Surgery Fees
Manage theatre fees, hospital excess, or gap payments so treatment can go ahead without delay.
Dental Work
Fund urgent dental treatments, root canals, wisdom teeth removal, or cosmetic dental work that isn’t fully covered by health insurance.
Allied Health and Therapies
Support physiotherapy, psychology, chiropractic care, or occupational therapy when you need ongoing sessions to recover well.
Elective or Non-Emergency Procedures
Handle the cost of procedures you’ve chosen to improve your quality of life, including some cosmetic or corrective treatments.
Medical Equipment and Aids
Pay for glasses, hearing aids, mobility aids, home medical devices, or other equipment to help you stay independent.
Who Can Apply for a Medical Loan?
You’re eligible to apply for a Trusty Finance medical loan if you:
- Are at least 18 years old
- Are employed with consistent income for 90 days
- Are an Australian Citizen or permanent resident, with a fixed address
- Have an active email address, phone number, & online banking details in your name
- Own a motor vehicle registered in your name
- Are in control of your current finances and handling existing financial commitments
We assess each application individually. If you meet these criteria, you’re already on your way to being considered for a Trusty Finance medical loan.
60 seconds!*
If you meet the borrowing criteria above, there’s a good chance you qualify for a Trusty Medical Loan.
Medical Loans: Rates & Fees
We believe in transparent lending – no hidden fees or nasty surprises.
- Loan Amount
$2,100 – $5,000
- Fees
- $400 establishment fee**
- $20 set up fee**
- Interest rate of 47% per annum
- No application fee
- No early payout fees
- Loan Term
12-24 months
- Flexible Repayment Options
Weekly, fortnightly or monthly (based on your payday)
- Missed Repayment Fee
$35 fee may be issued if a scheduled repayment is missed or returned unpaid
**Deposit to a bank account up to a maximum of $4,580 due to the establishment and set-up fees being financed under the loan.
Simple, Fast & Hassle-Free
Handling medical expenses doesn’t need to feel overwhelming. We’ve designed the process to be as simple as possible.
Our Commitment to Responsible Lending
At Trusty Finance, we take responsible lending seriously. We are committed to ensuring our loans are manageable and sustainable for our customers.
- We only approve loans that are affordable and manageable based on your financial situation
- We follow strict responsible lending guidelines to ensure transparency
- We’re committed to helping you borrow smarter, with clear terms and no hidden fees.
If you ever need support with repayments, we’re here to help. Read our full Responsible Lending Statement.
How much would you like to borrow?
A Faster and Simpler Way to Borrow
We make accessing medical finance straightforward and stress-free.
Super Fast Approvals
Get a decision in minutes
Simple Application
Easy to understand, 100% online
Flexible Repayments
Weekly, fortnightly or monthly
Trusted & Transparent
No hidden fees, ever
100% Australian-based
Local and trusted support
What Our Customers Say
Real stories from real people who’ve used Trusty Finance to take control of their finances.
Very polite customer service
Very polite customer service officer resolved my inquiry immediately, no problem, thank you.
Emily C Melbourne
Very satisfied customer
Trusty was there when needed the most.
Ava Marie Brisbane
Process was so easy
Trusty made the process so easy! I had used other lenders in the past and their processes are often long and painful with too many steps and hoops to jump through.
Josh Turner Adelaide
Really easy first experience
This was my first time using Trusty, and it was really easy. I will definitely stick with them if I need money.
Jackie Ford Sunshine Coast
I wish I had known about you earlier!
The stress and processes of trying to get a loan has been exhausting and depressing! Trusty made it very easy and someone was there to help if I had any questions.
Mitchell Smythe Wollongong
Made me feel comfortable
I was worried about my credit score, but the team at Trusty Finance made me feel comfortable by taking the time to answer my questions.
Stacey George Sydney
Very polite customer service
Very polite customer service officer resolved my inquiry immediately, no problem, thank you. Emily C Melbourne
Very satisfied customer
Trusty was there when needed the most. Ava Marie Brisbane
Process was so easy
Trusty made the process so easy! I had used other lenders in the past and their processes are often long and painful with too many steps and hoops to jump through. Josh Turner Adelaide
Really easy first experience
This was my first time using Trusty, and it was really easy. I will definitely stick with them if I need money. Jackie Ford Sunshine Coast
I wish I had known about you earlier!
The stress and processes of trying to get a loan has been exhausting and depressing! Trusty made it very easy and someone was there to help if I had any questions. Mitchell Smythe Wollongong
Made me feel comfortable
I was worried about my credit score, but the team at Trusty Finance made me feel comfortable by taking the time to answer my questions. Stacey George Sydney
Loans for other occassions
Need financing for something else? Trusty Finance offers flexible loans for a variety of needs:
