Get a fast medical expenses loan in three easy steps


You apply online

Applying only takes a few minutes. Just check our lending criteria to make sure you're eligible and check our Fee Statement. Once you've done that, apply online here.


We review your application

We review all applications within 30 minutes of receiving them if you apply during business hours. Whether your application is approved or declined, you'll have your answer fast.


You get your medical loan

Once your application is approved, we'll get in touch with you straight away to let you know and finalise the loan. Once that's done, we transfer the funds immediately, and the money could be in your bank account within a few hours.

What makes Club Money different?

  • Responsible lending
  • Fast approvals
  • Flexible repayments
  • No hidden fees
  • Bad credit loans
Instant loans

We take our responsible lending obligations seriously.

Club Money is a licensed Small Amount Credit Contract lender. That means our lending policies have to in line with government regulations. And that's an obligation we take seriously.

We don't approve medical loans that are going to be unsuitable for the customer or put them in financial hardship.

quick approvals

We know how a fast turn around time can make a big difference. Especially for medical loans.

We work hard to make sure we respond to all applications made during business hours within 30 minutes of receiving them. Applications made overnight or on the weekend will be our top priority the next business day.

Unfortunately, we can't make the banks move any faster, so money transfer times do vary.

Simple loans

We don't believe in charging unnecessary fees that make your situation worse.

If you're having trouble making your repayments, get in touch with us, and we will work with you to reschedule your loan so that it's more manageable.

And we don't charge Daily Default fees if you stay in contact with us.

bad credit loans

We are upfront about all our fees.

You can see all of our fees information in our Fee Statement. We won't charge you any other fees or charges. Ever.

apply online

We understand getting a loan is difficult with bad credit.

But we give you a fair go. We look at your current financial situation, not just your credit history. Because we know that situations can change and everyone deserves a second chance.

If your current financial situation is good, then you may still be able to get a medical expense loan with Club Money, even if you have bad credit.

Accidents and unexpected circumstances can leave you needing a medical expenses loan.

Life is full of surprises. Unfortunately, some of them are bad surprises. Not only is it terrible to get sick or injured, but it can be very expensive as well.

It's not uncommon for Australians to need medical loans after being hospitalised or even for elective procedures. At Club Money, we can help you with medical loans of up to $5,000 to cover your expenses.

If you need a medical expenses loan, apply online with Club Money today.



Start Your Application

!WARNING - Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:

The Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.