Personal Loans · Medical and Dental Loans
Medical and dental costs, spread over time
A medical or dental loan is a personal loan that spreads the cost of treatment over a fixed term. Noddle compares options across a panel accessed through the Loan Market Group platform and arranges the one that fits, so you can proceed with treatment now and repay over time. The lender assesses and funds it.
Noddle is a broker, not a lender. We find, compare and arrange; lenders approve and lend.
- Australian Credit Licence 526746
- Member of AFCA
- Servicing Australia, 100% online
- One application, many lenders compared
What can a medical or dental loan cover?
Dental work, orthodontics, elective and cosmetic procedures, IVF, optical and specialist treatment are commonly funded. The loan is usually an unsecured personal loan, so it is based on your circumstances rather than an asset.
Clinic payment plan or a personal loan?
Some clinics offer their own payment plans. A personal loan may cost less over the full term, or it may not, depending on the plan. Noddle compares the total cost of a personal loan so you can weigh it against any plan the clinic offers.
Frequently asked questions.
Yes. A medical or dental loan is a personal loan used to fund treatment, repaid over a fixed term. It is usually unsecured. Noddle compares options across its panel and arranges the one that suits your circumstances, subject to responsible lending checks by the lender.
Often, yes. Elective and cosmetic procedures, orthodontics and major dental work are common uses for a medical personal loan. Noddle compares lenders and arranges the option that fits, showing the total cost including interest before you commit to anything.
Timing depends on the lender and your documents. Many personal loans can move from enquiry to approval within a few business days once your information is complete. Noddle prepares the application to reduce delays, which matters when treatment is time-sensitive.
Reviewing your options with Noddle does not affect your credit score. We use an Access Seeker (soft) enquiry to review your credit file, which lenders cannot see and which leaves no mark. Your score is only affected once a lender lodges a formal application, and only with your consent.
Noddle may charge a brokerage fee for arranging your loan, and may also receive a commission from the lender. Both are disclosed upfront in our Credit Guide and your written quote before you commit. The brokerage fee can be paid upfront or capitalised into your loan. If capitalised, you pay interest on it over the loan term. All fees and commissions are disclosed in our Credit quote before you proceed.
About the author
Joshua Wessels is the founder of Noddle and leads its broking team. He has more than a decade in Australian consumer finance and holds a Diploma in Mortgage Broking. Noddle is a member of the Finance Brokers Association of Australia (FBAA member 362825) and the Australian Financial Complaints Authority (AFCA member 81857), and operates under Australian Credit Licence 526746.
Read more about the team on the Noddle team page.
Noddle Pty Ltd (ABN 63 643 806 759, ACN 643 806 759) operates under Australian Credit Licence 526746. Noddle is a credit assistance provider, not a credit provider. We arrange loans through a panel of lenders accessed via the Loan Market Group (LMG) aggregation platform. We are bound by the responsible lending obligations of the National Consumer Credit Protection Act 2009 and regulated by ASIC. Fees and any commissions are disclosed in our Credit Guide and your written quote before you commit. Any approval, rate and amount is determined by the lender, subject to their assessment.
See your personal loan options in about five minutes.
- No impact on your credit score
- Apply now in as little as 5 mins
- We compare multiple lenders for you