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 five 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 secure systems and practices to ensure 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

All applications for credit are subject to MediPay’s credit assessment criteria. Terms, conditions, fees and charges apply.

Comparison Rate

For MediPay Payment Plan
For the purposes of this calculator, the interest rate used is 11.99% p.a. (comparison rate*: 13.51% p.a.) and is subject to change.

The interest rate applicable to your payment plan will depend on MediPay’s lending assessment of your application and starts from 11.99% p.a. (comparison rate*: 13.51% p.a.) and is subject to change.
This means the interest rate you're offered may differ from the interest rate shown and will depend on your personal circumstances. Because of this the final interest rate can only be determined once you submit an application.

*The comparison rate is based on a $30,000 unsecured loan for a five year term.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

^Decision in 60 minute or less means: Conditional approval subject to suitability and receiving all required information. During normal NSW business hours. Final approval subject to MediPay's lending criteria and supplying satisfactory supporting documents.


The repayment amount shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary. To find out actual repayment amounts, contact us. This calculation does not constitute a quote, loan approval, agreement or advice by MediPay. It does not take into account your personal or financial circumstances. To apply for a MediPay Payment Plan you must complete an application. All applications are subject to MediPay’s credit assessment criteria. Terms, conditions, fees and charges apply. MediPay will not store the information provided in this calculator. For more important information about the interest rates and repayment amounts shown in this calculator, see the ‘Important Information’ section above.

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.
By submitting, I consent to MediPay collecting, storing and using my email address to contact me about my eligibility and in accordance with our Privacy Policy. Subject to suitability. T&Cs apply.