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 the online form with your procedure type, estimated cost, and contact details. Submitting the enquiry is not a credit application. Your information is handled under our privacy policy and passed to a licensed broker.
- No formal credit application at enquiry
- Privacy and data sharing explained
- Medical, dental, cosmetic and vet purposes supported
- No CosmediLoans enquiry fee or commitment
Available lender products
A Broker Compares Options
A licensed finance broker receives the enquiry and can compare available products from its lender panel. The broker explains rates, comparison rates, fees, commissions, credit checks and eligibility before a formal application.
- Available lender products compared
- Rates and comparison rates explained
- Broker and lender fees disclosed
- You decide whether to apply
Timing depends on assessment
Review and Apply
If an option suits you, the broker explains the formal application and lender assessment. Approval, settlement and funding timing depend on the lender, your circumstances and the documents required.
- Choose from multiple personalised offers
- Payment method confirmed by the lender
- Loan term and total cost reviewed
- 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 multiple 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 timeVaries by lender
- Cost to youCheck product terms
Using CosmediLoans
multiple lenders competing
- Lenders comparedPanel options
- Rate negotiationActive
- Medical expertiseSpecialist
- Application process60-second online form
- Approval timeVaries by assessment
- Cost to youNo enquiry fee
Ready to Get Started?
This is an initial enquiry, not a credit application. A broker must explain and obtain consent before any credit enquiry.
Request Broker Options
Submitting this enquiry is not a credit application
Common Questions
Have more questions? View our full FAQ
Request a Broker Review
Send an initial enquiry and review the written rates, fees, total repayment and conditions before deciding whether to apply.
Request Broker Options