Finance any medical procedure. Find your lowest rate.
Compare rates from 20+ lenders in 60 seconds. Expert brokers help you find the best deal for dental, IVF, cosmetic surgery and more.
Clear Funding Desk
One soft-check path from treatment quote to lender-ready option.
1
Quote in
Procedure, amount, timing
2
Broker match
Lenders ranked by fit
3
Book clearer
Know the finance path first
Get Your Personalised Rate
No impact to your credit score
Quick answer
What is CosmediLoans?
CosmediLoans is an Australian broker-matching service that compares medical procedure loans from 20+ licensed lenders for dental, IVF, cosmetic surgery, orthopaedic, veterinary, and elective medical treatment. Patients can borrow $2,000 to $100,000 over terms of up to 7 years at rates from 6.99% p.a., with a single soft-credit inquiry that does not affect credit score. The service is free to patients: brokers are paid by lenders on settlement, and brokers on the panel hold Australian Credit Licences under the National Consumer Credit Protection Act 2009.
Lender panel
Broker-led comparison, not a single-provider offer
Your broker can compare lender fit, rate, fees, and repayment term before you choose an option.
Rate check walkthrough
See how the quick rate check fits around your procedure quote.
Watch what happens after you share your procedure type and estimated quote. The process is built to keep the first step simple while giving your broker enough detail to compare suitable lender options.
60-second enquiry
The form asks for the essentials only: treatment type, amount, and contact details.
Soft-credit pathway
Patients can check their rate path before committing to a full application.
Broker comparison
A specialist broker compares lender fit, timing, fees, and repayment options.
A short visual walkthrough of the CosmediLoans enquiry flow, from a procedure quote through to broker-matched lender comparison.
How It Works
From enquiry to funded in as little as 24 hours. Our streamlined process makes medical financing simple.
Tell Us What You Need
Fill out our 60-second form with your procedure type and estimated amount. No credit impact, no obligation.
We Shop 20+ Lenders
Your dedicated broker compares rates across our lender network to find the most competitive deal for your situation.
Get Funded & Book In
Accept your personalised offer, receive funds (often same-day), and book your procedure with confidence.
Procedures We Finance
From dental implants to cosmetic surgery, we help Australians finance the care they need at rates they can afford.
Why Choose CosmediLoans
We're not a bank. We're your shortcut to the best medical loan rate in Australia.
Broker-Matched, Not Bank-Locked
Unlike going direct to a bank, our brokers compare 20+ lenders to find the most competitive rate for your specific situation.
Built for Medical
We specialise exclusively in medical procedure financing. Our brokers understand the costs, timelines, and urgency involved.
Broker-Matched Savings
We're paid by lenders, not by you. No hidden fees, ever.
Approved in Minutes
Most patients receive a decision within hours. Same-day approvals are common, so you can book your procedure sooner.
Easy to understand features,
variables and fees
We compare 20+ lenders so you get the best deal, here's what you can expect across our network.
Features
Accepted Purpose
Fees
Establishment fees and rates vary by lender and credit profile. Your broker will confirm all costs before you accept any offer.
Example Repayments
See what your repayments could look like. Rates vary by lender and credit profile, use our calculator for a personalised estimate.
Dental Work
$99/mo
IVF Treatment
$297/mo
Cosmetic Surgery
$589/mo
Repayment examples are illustrative only. Actual rates and terms depend on your credit profile and lender.
What Our Patients Say
Thousands of Australians have trusted CosmediLoans to finance their medical procedures.
“I'd been putting off my dental implants for two years because I thought I couldn't afford them. CosmediLoans connected me with a broker who found a repayment plan that actually fit my budget. Booked within the week.”
Sarah M.
Dental Implants
“Financing IVF felt overwhelming until we spoke with CosmediLoans. Our broker explained every option and secured a rate that made our next cycle affordable.”
James T.
IVF Treatment
“No credit impact, no obligation, and genuinely the lowest rate I found anywhere. My broker was professional and made the entire experience stress-free.”
Michelle L.
Breast Augmentation
Frequently Asked Questions
Everything you need to know about medical procedure financing.