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Medical Loans

Medical loans are available as either secured or unsecured borrowing. They can be used for emergency surgery, fertility treatment, dental work and more.

Many people seek the help of flexible medical loans to pay for procedures. A loan can help you raise money for fertility and cosmetic treatment, urgent care, surgery and more. With Norton Finance, you can find a loan that suits your financial situation, whatever your credit history looks like.
  • Medical loans are for the purpose of covering medical bills

  • They can be offered as either secured or unsecured loans

  • Repayment periods can vary between short-term (one to five years) to 30 years

  • Failure to meet repayments could negatively impact your credit score

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Homeowner rates, from 6.59%

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What are medical loans?

A medical loan is a type of personal loan that's used to finance a medical procedure. You could use the proceeds to cover part or all of the costs for a whole range of private medical treatments, before repaying the balance over a flexible term. This is typically offered as a secured loan, which is held against a personal asset, or an unsecured loan where the rate is based on your credit history.

Why take out a medical loan?

Medical loans are a way to manage the costs of private healthcare. Companies providing private medical care often offer finance packages for treatment. By comparing loan rates, you can find and choose an option that best suits your financial situation.

How do medical loans work?

Like other types of loan, there are two main types of medical loan to choose from:

Pros and cons of taking out a medical loan

Medical loans have many benefits. They help you cover important costs, and repayments can be made over a period that suits your financial situation. Choose from short-term loans to be paid off between one and five years or a long-term loan over 30 years. You can also choose between a secured or unsecured loan and benefit from a type that works for you.

If you are unable to meet repayments as agreed, you are at risk of harming your credit score. However, by talking to advisors and finding a loan that works for you, you are less likely to be at risk.

Our secured loan calculator can help you decide how much you could afford to borrow.

Commonly asked questions about medical loans

How much can I borrow?

Our medical loans range from £3,000 to £500,000.

How long are the repayment terms?

Loan terms can last from one to 30 years, so you’ll be able to find a comfortable repayment period.

What are the interest rates?

Interest rates are different depending on the loan you take out and your financial history. Rates for homeowners from 6.59%.

Are there any loan fees?

As a broker, rather than a bank, Norton Finance doesn’t charge upfront loan fees. Instead, a fee is added to the loan and we receive commission from the lender when a loan application is completed. On secured loans, we may charge a broker fee of a maximum 12.5% of the loan, to a capped limit of £3,995. We don’t charge broker fees on unsecured loans.

Applying for a medical loan

Applying for a medical loan couldn’t be easier with Norton Finance. We understand that when it comes to health, money worries shouldn’t be an issue.

When you apply, we search a comprehensive market of medical loans to match your personal circumstances.

What do I need to apply for a medical loan?

Applying for a medical loan is a simple process, which you can begin online by filling in a few details. We’ll also ask for some more details including:

Am I eligible for a medical loan?

Medical loans are available no matter your financial history. If you have CCJs, are retired or unemployed, or have doubts about your credit history, your financial background is just one part of what lenders will consider.

What can I use a medical loan for?

Loans for medical treatment can be used for a variety of procedures, allowing you to access medical care without spending time on a waiting list.


Plastic surgery / cosmetic surgery

With an ever-increasing range of options available, cosmetic surgery loans are available for those who want to undergo cosmetic treatment.

Fertility treatment

Get the financial help you may need to plan a new arrival through fertility treatment.

Emergency surgery

Save time by skipping the waiting list, and go private for required surgery.

Dental work

From straightening to whitening, improve your dental health with our flexible repayment terms.

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