Medical Loans

  • Loan amount up to R250,000
  • Interest 20%
  • Term 1 - 12 months
  • Loan amount R500 – R8,000
  • Interest 0,1% per day
  • Term 5 – 37 days
  • Loan amount R500 - R8,000
  • Interest 5%/month
  • Term 1 - 3 months
  • Loan amount R500 - R40,000
  • Interest 5%
  • Term 1 - 24 months
  • Loan amount R250 - R350,000
  • Interest 15%
  • Term 1 day - 84 months
  • Loan amount R100 - R4,000
  • Interest 24,31%
  • Term 2 - 36 days
  • Loan amount R80,000 - R250,000
  • Interest 12,90%
  • Term 1 - 84 months
  • Loan amount R2,000 - R250,000
  • Interest 15%
  • Term 12 - 60 months
  • Loan amount R1,000 – R150,000
  • Interest max 24.5%
  • Term 12 – 60 months
  • Loan amount R1,000 - R150,000
  • Interest 10%
  • Term 2 - 6 years
  • Loan amount R2,000 - R200,000
  • Interest 27,50%
  • Term 1 - 84 months
  • Loan amount R100 - R250,000
  • Interest 28%
  • Term 2 - 60 months
  • Loan amount R1,000 - R250,000
  • Interest 20%
  • Term 6 - 84 months
  • Loan amount R500 – R15,000
  • Interest from 28%
  • Term 6 – 18 months
  • Loan amount R500 - R4,000
  • Interest 18,60%
  • Term 4 days - 6 months

If you want to use health services in South Africa, you need to look into the possible options locally. There will be certain terms and conditions you need to follow and negotiate before your request is processed. Note that almost everyone is eligible for loans for medical procedures in South Africa. The money can cover not only emergency procedures but also beauty ones. If you always wanted to get a nose job and found a certain clinic that can do it cheaper and better, you can apply for credit and get your funding.

What is the aim of medical finance loans?

This money is usually issued by a company, agency, union, or even a government. The aim is to enable people to have access to all the desired and needed medical stuff. Sometimes it means surgery and sometimes it is a minor procedure and further treatment. A lot of factors influence the amount of money one is eligible to get. The companies grade the severity and urgency of your issue. For example, micro loans for blacklisted for surgery related to heart disease would be reviewed instantly. Some plastic operations might be considered for a longer period but not as long as a bank would do it. Although the lender earns profit from the percentages paid on the loan, the main aim of this is not to profit but to help those in need. Note that it is vital to calculate the rate you pay on a R50000 loan and the total monthly amount to be paid.

It is not a rare thing when a family lends money from a union or government since the services that hospitals provide are expensive. Even a standard insurance package does not cover all the expenses on operations and treatments. With the low eligibility requirements, most people, even foreigners, have access to conventional loans. Some of the basic things one needs to get the money are:

  • Statements from a bank about the current status quo of your account;
  • Papers from the institution that conducts procedures;
  • Your credit score (if you have it);
  • Papers on your insurance (if you have one).

Can you get pet medical loans?

When it comes to medical loans, South Africa is not the last place on a list of comfortable countries for living with pets. You can get some money in case your favorite animal got into a bad accident or suffers from some chronic disease.


If you have a great reputation in cooperation with banks and you need some extra money for treatment, a loan is a solution. It takes minutes to apply. The application and review process happens online in most cases, so it does not put extra charges on you. For sure, the loan comes with a commission on the lender’s side. Yet, it is worth it if you need the money immediately. The average time for reviewing the application is 48 hours, sometimes it happens faster. The document package you need includes the things you have at home. There is no need for extra certificates or tests from you. All the agreements with the company lender will be described in the contract, so you will know how to handle the payoff. The best part about it is that when you pay it back, nobody is rushing you. You are free to sign up for the needed period and take it at your pace. Besides, some types of contracts for medical loans can be redrawn. So, the terms might be changed to your advantage.

TOP 7 Medical Loans May 2024
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