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Medical and dental loans

Fast cash up to $10,000

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Why choose Credit24?

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Loans up to $10,000.

For medical and dental emergencies and surgeries.

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Fast and 100% online.

Apply in less than 10 minutes and get an immediate outcome.

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Same Day Cash.

If approved, money transferred on the same day*.

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Secure.

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A loan for your medical needs

Need money to help you cover the cost of medical bills, an emergency dental procedure, a sports injury or another medical issue? 

When it comes to your health, you shouldn’t have to compromise on the care you deserve. Put your healthy future-self first with a medical loan from Credit24. A loan of up to $10,000 can be used to cover the costs of any out-of-budget medical procedures. For example: 

  • emergency surgery
  • medication or post-operative care
  • dental surgery
  • cosmetic surgery
  • laser eye surgery
  • facial procedures
  • specialists appointment
  • or any other health-related costs

Applying is easy. Simply start an application today. If approved money paid out quickly so you can get back to living a healthier, happier life.

 

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Frequently Asked Questions

Who is Credit24?

A global market-leading provider of personal finance and since 2012, we have been helping thousands of Australians.

Who is eligible to apply for a loan?

To be eligible, you'll need to be 18 years or older, a permanent resident, have a stable job for at least 3 months and earn more than $1,000 per month. You must also have a reasonable credit history to increase your chances of being approved for a loan.

How much does it cost?

The cost of the loan is based on how much you want to borrow, how long for and the interest charged on the loan. Your interest rate is based on your risk profile. Use our repayment calculator to estimate how much it’ll cost.

What do I need to apply?

To apply for a loan, you’ll need a mobile number, an active email address, ID (either Driver’s licence, Medicare or Passport) and details of the bank account your pay gets deposited into.

How will Credit24 assess my application?

We are required by law to:
1) Make reasonable enquiries about your financial situation
2) Take reasonable steps to verify the information you provide, and
3) Assess whether you can afford the loan repayments
This is all done during the online application. Within 24 hours, we’ll be in touch to let you know if your application has been approved. If approved, money could be paid out on the same day.

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© 2025 Credit24, Australian Credit Licence number: 422839

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Website disclaimer:
Credit24 is a registered trademark and business name of IPF Digital Australia Pty Ltd (ACN 130 894 405). The information on this website is of general nature and does not take into consideration your objectives, financial situation or needs. If you have received a direct communication from Credit24, it is not an invitation to apply for, or offer to enter into, any of our loan products. Please review the different products on this website and it’s eligibility criteria and terms and conditions, before applying with Credit24.

For small loans of less than $2,000, the Annual Percentage Rate (APR) is not applicable. Minimum term is 120 days and the maximum term is 12 months. The cost of the loan is a 20% establishment fee on the amount borrowed and a monthly fee of 4% charged on the amount borrowed. For example, a $1,000 loan borrowed over 6 months is a total of $1,440 ($1,000 principal, $200 establishment fee and $240 in monthly interest). Monthly repayment is $240.

For medium loans between $2,100 and $5,000, the APR is between 24% (minimum) – 47.9% (maximum) per annum. Comparison rate of 32.29% to 57.05%. Minimum term is 365 days and maximum term is 24 months. The cost of the loan is a $400 establishment fee and monthly interest charged on the amount borrowed. For example, a loan of $5,000 over 24 months with an APR of 47.9%, (comparison rate of 57.05%), will have a establishment fee of $400, weekly repayments of $80.77. Total repayments of $8,400 and total interest payment $3,000.

For large loans between $5,100 to $10,000, the APR is between 24% (minimum) – 47.9% (maximum). Comparison rate of 24% to 47.9%. The minimum term is 365 days and the maximum term is 36 months. There is no establishment fee and the cost of the loan is the monthly interest charged on the amount borrowed. For example, for a $6,000 loan borrowed over 24 months with an interest rate of 24% is a total of $7,543.87 ($6,000 principal and $1,543 in monthly interest). Monthly repayment is $318.09.

For our Line of Credit, there is no establishment fee and cost of the loan is the monthly fee of 2% – 4% charged on the amount borrowed. The minimum APR is 24% and the maximum APR is 47.9%. The maximum term is 36 months. For example, $1,000 borrowed over 36 months is a total of $2,440 ($1,000 principal and $1,440 in monthly interest).

*Money paid out within 60 seconds of loans being approved or a withdraw made on a Line of Credit to PayID enabled banks.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

How much interest charged is based on the loan amount and the loan term. How much someone can borrow will be based the information they provide to us during the loan assessment.

Target Market Determination

Credit24 is a responsible issuer and distributor of financial products and our products are designed in consideration for specific needs of customers based on their financial situation and objectives. Our Target Market Determination is developed in accordance of the Design and Distribution Obligations under Pt 7.8A of the Corporations Act 2001. To obtain a copy, please email info@credit24.com.au or call 1300 293 000.

Address: 388 George Street, Sydney, NSW 2000