Compare Medical Financing Options in Australia
Review common medical financing paths, their restrictions and the questions to ask about rates, fees, total repayment and credit checks.
All Comparisons at a Glance
| Competitor | Type | Their Max Amount | Best For | |
|---|---|---|---|---|
| Afterpay | Buy Now Pay Later | Up to $2,000 (standard) | Small purchases under $2K | |
| Zip Pay | Buy Now Pay Later | Up to $1,000 (Zip Pay) / $5,000 (Zip Plus) | Ongoing smaller purchases under $5K | |
| Humm | Buy Now Pay Later | Up to $30,000 (Big Things) | Medium procedures at partner clinics | |
| CareCredit | Direct Lender | Varies (typically $1,000 – $25,000) | US-based patients or CareCredit partner clinics | |
| Latitude Financial | Direct Lender | $3,000 – $50,000 | Customers who prefer dealing direct | |
| MoneyMe | Direct Lender | $2,100 – $50,000 | Speed-focused borrowers who want instant funds | |
| Plenti | Direct Lender | $5,000 – $50,000 | Borrowers with excellent credit who want peer-to-peer | |
| SocietyOne | Direct Lender | $5,000 – $50,000 | Good-credit borrowers who prefer direct digital | |
| Personal Loan | Financing Type | Varies | People who prefer their existing bank | |
| Credit Card | Financing Type | Existing credit limit (typically $5K–$20K) | Small expenses repayable within 55 days | |
| Buy Now Pay Later | Financing Type | $1,000 – $30,000 (varies by provider) | Small treatments at partner clinics | |
| MediPay | Buy Now Pay Later | $500 – $50,000 (clinic-dependent) | Smaller treatments repayable inside the interest-free window | |
| VetPay | Buy Now Pay Later | Varies | Smaller bills at clinics that already offer VetPay | |
| TLC | Direct Lender | $2,000 – $50,000 | Borrowers set on TLC's product | |
| OurMoneyMarket | Direct Lender | $2,001 – $75,000 | Borrowers who already know OurMoneyMarket is their best rate | |
| Jacaranda Finance | Direct Lender | $300 – $15,000 | Small emergency loans under $10,000 | |
| Fair Go Finance | Direct Lender | $500 – $20,000 | Small emergency loans for borrowers declined elsewhere | |
| Payment Plans | Financing Type | Varies | Simple smaller balances | |
| Dental BNPL | Financing Type | Varies | Small short-term dental costs | |
| IVF Payment Plan | Financing Type | Varies | Simple clinic-staged payments | |
| Credit Card for Surgery | Financing Type | Varies | Balances cleared inside interest-free period | |
| Bad Credit Alternatives | Financing Type | Varies | Borrowers who already know a lender fits |
Afterpay
Buy Now Pay Later · Up to $2,000 (standard)
Zip Pay
Buy Now Pay Later · Up to $1,000 (Zip Pay) / $5,000 (Zip Plus)
Humm
Buy Now Pay Later · Up to $30,000 (Big Things)
CareCredit
Direct Lender · Varies (typically $1,000 – $25,000)
Latitude Financial
Direct Lender · $3,000 – $50,000
MoneyMe
Direct Lender · $2,100 – $50,000
Plenti
Direct Lender · $5,000 – $50,000
SocietyOne
Direct Lender · $5,000 – $50,000
Personal Loan
Financing Type · Varies
Credit Card
Financing Type · Existing credit limit (typically $5K–$20K)
Buy Now Pay Later
Financing Type · $1,000 – $30,000 (varies by provider)
MediPay
Buy Now Pay Later · $500 – $50,000 (clinic-dependent)
VetPay
Buy Now Pay Later · Varies
TLC
Direct Lender · $2,000 – $50,000
OurMoneyMarket
Direct Lender · $2,001 – $75,000
Jacaranda Finance
Direct Lender · $300 – $15,000
Fair Go Finance
Direct Lender · $500 – $20,000
Payment Plans
Financing Type · Varies
Dental BNPL
Financing Type · Varies
IVF Payment Plan
Financing Type · Varies
Credit Card for Surgery
Financing Type · Varies
Bad Credit Alternatives
Financing Type · Varies