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We compare personal loans for medical bills

Find the best personal loan for your medical bills. Compare interest rates, welcome gifts and other benefits easily in one place.

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Personal Loans in Singapore

Medical costs can easily reach into the thousands. Because MediSave has withdrawal limits, and insurance policies may not cover certain pre-existing conditions, a personal loan can help you pay for the costs of medical treatment or surgery. Some private health insurance policies also require you to pay for your medical bills upfront before you get reimbursed. If this is the case for you, and you don't have the cash at hand, a personal loan can help you make the payment before you can file for the claim.
In general, personal loans can lend you as much as 4 times your monthly salary. Most banks require you to have an annual salary of at least S$30,000 to qualify for a personal loan. If this is the case, you'll be able to borrow around S$10,000 for medical treatments.
No. The bank will not be able to pay the hospital on your behalf. As you are the applicant of the personal loan, the loan amount (if granted) will be disbursed to your personal bank account. After you have received the funds, you should then arrange to pay the hospital directly to settle any outstanding bills.
If you need to pay for additional treatments and don't have insurance coverage or the necessary savings, you should consider applying for another personal loan to pay for your medical bills. Before you do so, take some time to compare the available loan offers on the market. Some banks could have launched a new promotion that could give you lower interest rates, waiver of processing fees, or other savings. However, you should also check that you can afford the added monthly installment repayments, as it is likely you have to service more than one loan simultaneously. Use our free personal loan comparison tools to find and compare the best personal loans options for the additional treatments you need.
The best personal loan for your medical bills is the one with the lowest interest rate. By finding a low-interest loan, you save yourself a lot of money on interest payments. Besides comparing interest rates, see if you can also find a loan with processing fee waivers and other benefits that will lighten the load of your monthly repayments.

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We compare loans that can be paid back over terms of between 12 months and 60 months. The effective interest rate (EIR) you will be charged depends on your personal circumstances, and will be between 8.5% p.a. and 14.94% p.a.

This is a representative example of what it may cost: a loan of S$10,000 over 36 months at 4.8% p.a. nominal interest would equate to monthly repayments of S$317.77 and the total cost of the loan that you pay back would be S$11,440.

The effective interest rate (EIR) you will be charged depends on your personal circumstances. Typically the lowest EIR charged by bank ranges between 5.0% p.a. to 20.0% p.a. depending on the choice of banks and products.

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