Compare medical loans: cosmetic surgery, dental loans and more

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Answers at your fingertips

What is a medical loan?

Great question. A medical loan is when you borrow money from a lender to pay for a medical procedure or treatment. Medical loans can either be personal loans or homeowner loans. 

Personal medical loans

A personal medical loan is when a fixed amount is borrowed over a set time period and is paid back in monthly instalments, plus interest. 

Homeowner medical loans

A homeowner medical loan is a loan that’s secured against an asset, usually a home. Because homeowner loans offer the lender a bit more security they’re normally used to borrow larger amounts of money than personal loans. However, please be aware if you were to become unable to pay back your monthly repayments, the lender can use the asset to cover the cost of the loan. 

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

What can medical loans be used for?

Medical loans can be used for a whole range of medical treatments. In fact, did you know, here in the UK, dentistry loans and cosmetic surgery loans are popular because treatments aren’t available on the NHS? But, you can take out a medical loan to cover medical treatments like: 

  • Dental work
  • Cosmetic surgery
  • Private health services
  • Emergency surgery
  • Fertility treatment

How much can I borrow?

The amount you can borrow will depend on your personal circumstances. However, typically with a personal loan it’s possible to lend up to £35,000. With a homeowner loan, it can be as much as £500,000+.  

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

How do I check my medical loan options?

You can check your medical loan options by completing our eligibility check. It’s as easy as 1, 2. 3.

  1. Fill in your details 
  2. Our dynamic search compares over 50 UK lenders 
  3. You’re quickly matched with the loan options that are right you 

Better yet, our smart search won’t affect your credit score because we only complete a soft search of your credit history. Your loan offers are presented side by side so you can make an informed borrowing choice. And where we can we show you real rates, so you know exactly how much your monthly repayments will be.  

I have bad credit, can I get a medical loan?

Your credit score a little under the weather? Don’t worry, we’ve got just the remedy. 

First things first did you know your credit score isn’t stuck, you can work to improve it? If you fancy giving our tips and tricks a try, you can discover them all in our helpful guide about improving your credit score.    

If your credit score is on the unhealthy side and you’re a homeowner, you could check out a homeowner loan, also known as a secured loan. It’s a loan option that secures the loan against an asset, usually your property – providing the lenders with a bit more security. Borrowing amounts range from £10,000 to £500,000+ over repayment terms of 1 to 30 years.   

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

14.26% APRC Representative (variable). Representative example (if you choose to add fees to the loan): assumed borrowing of £25,000 over 7 years, plus a broker fee of £2,850 and lender fee of £367.50 would result in monthly repayments of £509.96, the borrowing rate is 12.78%, the APRC is 14.26% (variable), total charge for credit would be £14,619.14 and the total amount payable would be £42,836.64.

Warning: Late repayment can cause you serious money problems. For help go to