How It works


Step 1

10 second instant check

Check if you're eligible by answering a few questions. You'll get an instant result.

Step 2

Easy Online Application

If you're eligible, you can complete our online application in under 10 minutes.

Step 3

Decisions in less than 60 minutes

We'll email you in less than 60 minutes with a decision. We'll even pay your doctor directly so you don't have to worry.

You can find out if you're eligible right now by answering three easy questions.


Over xxx people trust MediPay Here's what they're saying:

  • Dear MediPay Team, It's a pleasure working with you guys. Not only do you guys have a prompt response with regards to any questions, email and phone calls, but friendly service with a smile. You made my application easy from beginning to end. Funds available within 24hr. I will recommend your services to friends and family. Thank you so much for all your help and service!! Great JOB!!
  • I found the team at MediPay to be so helpful and easy to deal with. I was only given 4 days notice of my operation was to take place. These four days included the weekend and a public holiday here in WA. The team went above and beyond to help me with my finance. I am now 9 weeks post op and doing very well. I would highly recommend MediPay to anyone needing assistance.
  • A wonderful positive experience. Great communication and an easy to use payment system for your medical specialist
  • Simply brilliant........people who care. From my initial application, very courteous and kept me up to date at all times with my quick application

 Don't take our word for it. Here's what they're saying:

Why choose us?

No hidden fees or charges

We’re 100% transparent and upfront about our fees and charges. No hidden charges added later.

We pay your doctor directly

Once you’re approved for your plan, we pay your doctor directly and securely within 48 hours. You just have to tell us when.

No documents to attach

Our online application is super-easy and fast – with no documents to upload or certify.

We’re serious about your privacy

We use the same secure systems and practices as many of the major banks – ensuring your information is safe.

We use plain English

We don't hide behind complicated jargon that no one understands. Our terms and disclaimers are all written in plain English.

We're here to help

You can ask us a question via instant live chat, phone or email. We'll answer any questions you have.

"For my son's knee procedure, it was just so easy, I didn't have to worry about anything..."

Repayment calculator

Please enter an amount between 2,001 and 30,000

Fortnightly Repayment

Monthly Repayment

Repayable over 48 months with no penalties for early repayment
Based on an interest rate of 11.99%. Comparison rate 13.51%*
The interest rates applicable to your payment plan will depend on our credit lending assessment of your application and starts from 11.99% p.a. This means the interest rate you're offered may differ from the interest rate shown and will be based on your personal circumstances. Because of this the final interest rate can only be determined once you submit an application.

*Comparison rate example: Based on an unsecured loan of $30,000 with an Interest rate of 11.99% over a 5 year term, the comparison rate will be 13.51%.

WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Excludes fees & Charges

The repayment amount shown using this calculator is an estimate only. The results from this calculator should be used as an indication only, and they do not represent either a quote or pre-qualification or approval for a loan. This calculator should only be used as a guide to see how the repayments can vary when you change the loan amount.

Fees and charges are payable and the calculations do not take these into account.

Find out if you’re eligible in 10 seconds

We'll show you the outcome instantly and email it to you. Just answer these questions.
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