You must be:
- – 18 years or more
- – An Australian citizen or Permanent Resident
- – Earning $25,000 before tax or more per year and be employed or self employed
- – Have a current Drivers Licence, Passport or Medicare Card
- – NOT bankrupt or in a debt agreement
- – Your sole source of income is NOT Centrelink
- All persons subject to suitability assessment
You can borrow any amount from $2,001 to $30,000. The maximum you can borrow if you are aged 18-21 years is $5,000. Subject to suitability and your requirements and objectives.
To make it quick and easy you can only apply online. This will take 5 minutes.
- Click here to apply.
The interest rates applicable to your payment plan will depend on our credit assessment of your application and range from 11.99% p.a. (comparison rate*: 13.51% p.a.) to 21.99% p.a. (comparison rate*: 23.53% p.a.) subject to change.
*Comparison rates are based on a $30,000 unsecured loan over 5 years.
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.
Terms, conditions, fees and charges apply.
|Loan approval fee||$140 one off – loan amounts under $3,000|
|$295 one off – loan amounts from $3,000 to $4,999|
|$395 one off – loan amounts from $5000 to $9,999|
|$495 one off – loan amounts from $10,000 to $14,999|
|$595 one off – loan amounts $15,000 and over|
This amount is added to your loan amount so that you do not have to pay this upfront. The loan amount includes the loan approval fee.
|Administration fee||$10 per month|
|Dishonour fee||$38 per dishonour|
|Early Repayment fee||Nil|
|Direct Debit fee||Nil|
Once you have submitted your application we will get back to you with a decision within 60 minutes. Subject to having all the required information and during NSW normal business hours. If conditionally approved we will still need to verify your income by requesting a copy of 90 days of your most recent bank statements. This is all done online within seconds with our trusted partner bankstatements.com.au.
Final approval is subject to MediPay’s lending criteria and supplying satisfactory supporting documents.
Once you have been approved you have 90 days to tell us who to pay.
You can request a payment to be made at any time by logging into your account. Click on the link below for detailed instructions
Payment requests submitted after 3pm (business day – Sydney time) will be processed the next business day.
Once you have submitted a payment request and it has been processed it generally takes 24 hours for the funds to be received by your doctor or dentist.
Download and complete the Direct Debit Request Form here ensuring you insert your loan account number and provide your correct BSB and bank account number.
If it is a joint bank account please ensure it is signed by all account holders. Once complete scan (or take a photo with your smartphone) and email the signed Form to us at firstname.lastname@example.org
Please allow a minimum of 5 days for us to process the change. We will email you to confirm the change has been made.