How CosmediLoans Works
From your first enquiry to funded in as little as 24 hours. Our streamlined, three-step process makes medical financing simple, transparent, and straightforward.
60-second enquiry
Tell Us What You Need
Fill out our simple online form with your procedure type, estimated cost, and basic contact details. The process takes less than 60 seconds, and we never run a hard credit check at this stage. Your information is encrypted and only shared with your assigned broker.
- No impact to your credit score
- Your data is encrypted end-to-end
- Choose from 50+ supported procedures
- No upfront fees or commitments
Broker-matched rates
We Shop 20+ Lenders
Your dedicated finance broker receives your enquiry and immediately goes to work comparing rates across our panel of 20+ lenders. Unlike going to a single bank, this means your broker can negotiate across multiple offers to find the most competitive rate for your specific financial situation and procedure.
- Access to 20+ Australian lenders
- Rates compared simultaneously
- Broker negotiates on your behalf
- You receive the best available offer
Often same-day funding
Get Funded & Book In
Once your broker presents the best options, you choose the offer that suits you. After accepting, funds are typically disbursed within 1-3 business days, with many lenders offering same-day transfers. You can then book your medical procedure with confidence, knowing the financing is secured.
- Choose from multiple personalised offers
- Funds deposited to your account or provider
- Flexible repayment terms from 1-7 years
- Ongoing support from your broker
Bank vs. Broker: Why It Matters
Going direct to a bank means you get one rate from one lender. Using a broker through CosmediLoans means 20+ lenders compete for your business.
Going to a Bank
1 lender, 1 rate
- Lenders compared1
- Rate negotiationNone
- Medical expertiseGeneral
- Application processIn-branch or online
- Approval time3-7 business days
- Cost to youFree
Using CosmediLoans
20+ lenders competing
- Lenders compared20+
- Rate negotiationActive
- Medical expertiseSpecialist
- Application process60-second online form
- Approval timeSame day - 48 hours
- Cost to youFree
Ready to Get Started?
It takes 60 seconds and there is zero impact to your credit score.
Get Your Personalised Rate
No impact to your credit score
Common Questions
Have more questions? View our full FAQ
Find Your Best Rate Today
Join thousands of Australians who have financed their medical procedures through our broker-matching service.
Get Your Personalised Rate