How it works

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 10 minutes. 


Decision 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.


Repayment calculator

How much do you want to borrow?
Please enter an amount between 2,001 and 30,000
$0.00 Fortnightly Repayment
$0.00 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.


We offer payment plans for a range of dental procedures. Some of the more common ones are shown below. If your procedure isn’t listed below, don’t worry – just apply and let us know what you require.

Cosmetic Contouring

Dental Braces

Dental Bleaching

Dental Crowns

Dental implants



Wisdom teeth extraction


  • Am I Eligible?

    18 years or more
    An Australian citizen or Permanent Resident
    Earning over $25,000 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.

  • How often do I have to make repayments?

    You can select to make repayments fortnightly or monthly by direct debit.

You’re only a few minutes away from applying for your payment plan. Check your eligiblity, then apply online to get pre-approved.

You can then use the available funds any time in the next three months.

© Medipay Financial Services Pty Limited (ACN 602 847 987) as the trustee for the Medipay Unit Trust, in its capacity as an authorised credit representative of Medipay Holdings Pty Limited (ACN 604 221 276) (Australian Credit Licence Number 474336) | Number 53 Cross Street Double Bay NSW 2028. Call 1800 810 950 with any questions or visit for more information. 

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