10 second instant check
Check if you’re eligible by answering a few questions. You’ll get an instant result.
Easy Online Application
If you’re eligible, you can complete our online application in under 5 minutes.
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 must be:
- 18 years or more
- An Australian citizen or Permanent Resident
- Earning over $30,000 or more per year and work Full or Part Time or Self Employed?
- Have a current Driver’s Licence or Medicare Card?
You can borrow any amount from $2,001 to $30,000.
To make it quick and easy you can only apply online. This will take between 5 and 10 minutes.
Click here to apply.
You can select to make repayments fortnightly or monthly by direct debit.
All our payment plans are 48 months. However you have the flexibility to pay your payment plan off faster or at any time with no penalties.
The funds can only be used to pay for your medical and dental related costs. We pay your doctor or dentist directly on your behalf saving you the hassle.
Once you have been approved you have 90 days to tell us who to pay on your behalf.
You can request a payment to be made at any time by logging into your account.
Once you have submitted a payment request it generally takes 24 hours for the funds to be received by your doctor or dentist.
When we make a payment on your behalf we send you an email confirming payment has been made.
You can also always login to your account and see that payment has been made.
Because we do the work for you…
- We don’t ask for your payment slips
- We do not require you to send us copies of your identity documents
- We don’t ask for your tax returns*
*Unless self-employed or casual
Keeping your information protected and secure is extremely important to us.
Which is why we use 128 bit encryption on our website so that you can feel secure when downloading or transferring data to us.
Simple and Transparent
|Documentation fee||$295 once off when you accept the loan agreement.|
This amount is added to your loan amount so that you do not have to pay this upfront.
|Administration fee||$3.95 per month|
|Dishonour fee||$38 per dishonour|
|Early Repayment fee||Nil|
|Direct Debit fee||Nil|
|Merchant Fee (Visa/MC)||1.5% of the repayment amount if using a credit card|
*We reserve the right to charge you $15 per additional disbursement in event you request more than six disbursement
We believe you should have the flexibility to make one off payments at any time without incurring penalties.
One off payments can be made by BPAY.
If you wish to pay off your payment plan in full please email us and request a payout figure.
Yes, each applicant will need to complete and submit their details.
We will assess this as joint application and both of you will need to sign the agreements.
Joint borrowers can only be spouses or parents.
Please let us know as soon as you think you will have a problem paying any of your future payments. We will try and work with you to get you back on track. We don’t have a penalty interest rate as we believe it is best to work together to get you over any hurdles you may encounter.
MediPay has been established with the sole focus of providing payment plans for medical and dental procedures.
We want to take the stress out of paying for your medical procedure so that you can focus your time and energy on the procedure itself.
We have many years of experience in financial services and are here to provide you with our promise of a great experience in dealing with us.
We may need to contact your payroll department to verify your employment status.
Don’t worry – we won’t disclose any personal information to them about you or the purpose of the loan.
Once you have submitted your application we will get back to you with a decision within 60 minutes. If 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.
This is done with our trusted partner bankstatements.com.au* using the same technology as some of the major banks.
Rest assured it is not possible for anyone at MediPay to see or access your online banking password.
We cover most procedures as long as your doctor or dentist or health practitioner is appropriately qualified and properly registered to practice in Australia.
In some cases we may finance overseas procedures. However before applying email us with your contact details and good time to chat and we will call you to discuss.
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.