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Worried About Medical Bills?

Some medical expenses can be overwhelming, especially if the full cost or part of the cost of a procedure is not covered by Medicare or insurance policies. But, there are other options that can help you cover those expenses.

Medical loans are there to help those who need to get treatment safely and affordably. A medical loan, a type of personal loan, is commonly acquired to use for medical care payments. It is offered by traditional banks and lenders, and usually not tied to any collateral. It can be a good option for people who do not have private health insurance.

The same way as any other form of personal finance, borrowers of medical finance must apply for a loan first. Upon approval, you get the money upfront and make repayments over time, together with any subsequent interest and fees.

Medical loans can be used for medical expenses and living costs of recovery while taking time off of work. It can also be used to cover the cost of hospital expenses, specialist appointments, medical equipment, and even travel expenses.

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What Does A Medical Loan Cover?

Cosmetic surgeries

Any elective surgeries or optional procedures performed at a private hospital or clinic.

Dental procedures

To cover excess charges or those that aren’t covered by insurance.

Medical treatments or medicines

To purchase specific medicines, treatments, or drugs.

Personal medical device costs

For recovery or treatment of specific conditions that require medical equipment or devices.

Specialist doctors appointments

To cover the cost of regular visits to a specialist.

Hospital expenses

To cover the costs if you stay in the hospital, and for specialised procedures such as X-rays or MRIs.

Travel expenses

To cover the costs of travel and accommodation for a medical treatment.

What Medical Loan Options Are There?

Unsecured personal loans

If you don’t have suitable assets (e.g. a house or a car) to secure a loan against, Cigno can still help you find an appropriate unsecured loan.

Secured personal loans

You can offer a vehicle, real estate, or other valuables as security for a secured personal loan. It could increase your chances of approval and possibly lower your rate.

Short term loan

Are you looking for a quick loan to help you pay off your medical expenses? Get the money you need and pay it off quickly with a short-term cash loan through Cigno.

How Should I Compare My Medical Loan Options?

Borrowers should consider the following before taking out a medical loan:

  • Fees — Depending on the lender you choose, most loans come with fees such as establishment fees, monthly fees, early repayment fees, redraw fees, among others.
  • Interest rates — Look for a loan with a fixed or variable rate, and if it’s competitive compared to others.
  • Repayments — Lenders may offer you flexibility with your repayments by giving you options to pay weekly, fortnightly, or monthly.
  • Loan amount — Make sure to borrow only what you need.
  • Loan terms — Make sure you can manage the repayments with the loan term set by the lender.
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Why Should I Apply Online For a Loan With Cigno Loans?

With a wide network of direct lenders, Cigno can help you access the funds you need now. Our loan professionals can arrange and offer you various financial solutions, from medical loans to bad credit loans.

High Approval Rate

We use our vast experience in the finance industry to find a solution for everyone, No matter what circumstances we will do our best to help.

Fast Process

Our quick and easy process makes it easy to sort your finances with a solution to suit your situation and get back on with your life.

24/7 Online Platform

Cigno maintains a 24/7 online platform so we can help you find a solution that suits your needs anytime!

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Apply for a Medical Loan Now

Don’t let your medical expenses intimidate you. We offer quick solutions for urgent costs, allowing you to cover expenses that need much attention.

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FAQ

Can I take out a medical loan for cosmetic surgery?

Some medical loans won’t approve you if you are hoping to use the funds for cosmetic surgery, however at Cigno we offer medical loans for a range of treatment including cosmetic surgeries such as a tummy tuck or nose job.

Can I get a medical loan with bad credit?

At Cigno we believe a person’s financial history doesn’t always reflect their current or future situation. That is why we offer bad credit loans for medicals treatments.

Can I get a medical loan no credit?

Some lenders may require a credit check before approving a loan, however at Cigno we believe everyone should get access to medical treatments and that is why we will only ever connect you with lenders who offer no credit check loans.

Can I use medical loans for IVF?

Yes, our medical loans can be used for whatever treatment you need, including IVF.

For more information, check out our FAQ’s.

Hear From Our Customers

  • The process of a small loan was easy and Cigno was prompt in depositing the funds into my account. Couldn’t have been happier. They come through every time I need a small loan.
    productreview
    June 2022
  • Cigno loans, are the real deal, they understand about us living on the other side, that, we are all struggling in a different ways, that, we all are not equal, they don’t pay attention to your past mistakes, they understands, and give us all a fair go. Just wanted to say, I appreciate every little help, because, You never know how much that little help matters, tills you don’t have it’s at all, and everyone, every other lenders that you think will help when you most need it’s, says no.
    trustpilot
    June 2022
  • I’m very happy customer! They are so understanding! Evan when I payed a payment late I had an option to pay the following fortnight witch helped me out with an unispected family issue! Thanks Cigno
    productreview
    June 2022
  • This company is a fantastic company. Even though I went through a bad patch and couldn't afford any repayments, they adjusted a payment plan and it was completely affordable. No harrassment, no bad calls just help when it was needed. Massive thanks to cigno
    trustpilot
    June 2022
  • Prompt response to enquiry. Upfront with everything - no hidden or unexpected costs/fees/chargers. For a 'same-day' unsecured loan, the rate is very competitive. The staff are very understanding to individual needs. I will definately approach CIGNO again in the future when another emergency arises.
    productreview
    June 2022
  • Cigno loans have always been reliable and easy to access when in need. They have provided a quick service (money in the account within hours once granted) with clear and concise information regarding the loan terms. The fees are fair considering they are a short term loan provider when many others would not lend. Never had an issue with communications between the company and myself. I highly recommend when service is needed.
    trustpilot
    June 2022