Medical loans


Don’t let bills get in the way of what you need. We can support you with low rates from 8.49% comparison rate 9.33% for excellent credit.

What can I use this for?
Procedures we help fund
  • IVF
  • Hospital expenses
  • Medical surgery
  • Cosmetic surgery
  • Medical treatments
  • Personal medical equipment

The Wisr Difference

Not your average lender

We’re smart, with a big heart.

  • Your rate is tailored based on your credit score.

  • You’ll get an outcome that’s right for you.

  • With no early repayment fees.

  • Learn how to keep them in shape.

  • Our customer service team is ready to help.

Loan Calculator

Doing the maths is smart

Calculate your repayments on a medical loan.

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  • Exceptional
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  • 0.00%p.a.*
    Comparison rate
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Total Repayments$0.00
Total Interest$0.00
Amount Required$0.00
Establishment Fee+ $0.00
Loan Total$0.00
Interest Rate (p.a.)10.00%


For the part of you that learns from others

The Process

We keep it simple

  • 01

    Get your personalised rate estimate in 2 minutes

  • 02

    Apply online and get a response right away

  • 03

    Upload your documents

  • 04

    Sign on the digital line

  • 05

    Get your money within 24-48 hours

Product features and fees
  • Loan purpose

    Medical loan

  • Interest rate

    Fixed from 8.49% to 23.29%

  • Comparison rate

    Fixed from 9.33% to 24.05%

  • Loan amount

    $5,000 – $62,000

  • Terms

    3, 5 and 7 years

  • Establishment fee


  • Features

    No early repayment fees

Eligibility criteria
  • Gross income over $25,000 p.a.
  • Over 18 years of age
  • No unpaid defaults last 5 years
  • No bankruptcies last 7 years
  • Not currently in financial hardship
  • Permanent Australian resident (living in Australia right now)

Q1: What can I use a medical loan for?

We assess every loan individually and want to help you take care of yourself and your family. The most common procedures we offer loans for include IVF, medical and cosmetic surgery. We also cover unexpected hospital expenses and emergency medical treatments.

Q2: How long will it take to get my funds?

Undergoing a medical procedure or dealing with an unexpected injury or illness is stressful enough. We don’t want to complicate matters anymore. We strive for a fast and thorough application process. With all the required documents, we can aim to have the money to you within 24-48 hours.

Q3: What fees and charges should I know about?

We don’t charge any early exit fees. We want you to get on top as quick as you can! 

We charge a one-off establishment fee at the beginning of your loan term. This $595 is included in your repayment calculations and averaged out over the life of the loan.

If your direct debit dishonours, we charge a $2.75 dishonour fee and a $25 late payment fee to cover the cost that the banks charge us and the operational task for our team to manage this.

Q4: What documents do I need to apply?

For starters, we’ll need 2 forms of I.D. E.g. Drivers Licence, Passport or Medicare card. Then, we use a 100% secure, encrypted platform to view your online banking statements so we can better understand your financial situation. Alternatively, you can provide your last 90 days of bank statements via email. If we need anything else, we’ll let you know.


For the curious

  • A medical loan can be used to cover the cost of almost any medical expense such as surgery, cosmetic procedures, dentistry and travel expenses needed for overseas procedures.

  • The boring (but important) stuff