Treatment finance for residents of Australia: Finance Health Group arranges instalment finance through Klarna, Afterpay and Zip so patients in Australia can spread the cost of medical and dental treatment at any hospital or clinic they choose, in Australia or abroad. The provider shows the exact cost, including any interest, before you agree. Finance Health Group is a credit broker, not a lender; credit is subject to status.
| Who can apply | Residents of Australia aged 18 or over |
|---|---|
| Finance providers | Klarna, Afterpay and Zip – the options shown to you depend on the amount and the provider’s own checks |
| Maximum amount | Up to AU$10,000 |
| Term | Up to 36 months, depending on the provider; instalment schedules are set by the provider |
| Interest and fees | Depends on the provider and your application; some plans are interest-free, others charge interest. The provider shows the full cost before you agree. |
| Management Fee | A Management Fee, usually 10% of the approved amount, is deducted from the payout and is non-refundable once the payout is complete. If you applied through our website, you can use it as a deposit at an FHG partner hospital, clinic or agency within 3 months. See the Refund Policy. |
| Credit check | The finance provider carries out its own credit and identity checks and tells you before any search is recorded on your credit file. |
| Documents | Proof of identity and residence, and a bank account in your name. |
| How to apply | Your partner hospital, clinic or agency emails you a secure application link, or you can apply yourself using Check your eligibility – including for treatment at a hospital or clinic outside our partner network; you apply online with the finance provider and usually receive an instant decision. |
| What it pays for | Medical and dental treatment at any hospital or clinic you choose, in Australia or abroad; the hospital or clinic, not Finance Health Group, provides the treatment. |
| Your agreement | Your credit agreement is with the finance provider, under Australian law. |
Finance Health Group helps residents of Australia spread the cost of medical and dental treatment at any hospital or clinic they choose. Finance Health Group Ltd is a credit broker, not a lender, authorised and regulated by the UK Financial Conduct Authority (FRN 915721). Finance is provided by Klarna, Afterpay and Zip.
| Finance providers and maximum amount | Klarna, Afterpay and Zip; up to AU$10,000 |
| Maximum term | Up to 36 months |
| Currency | AUD |
| Who can apply | Residents of Australia aged 18 or over, subject to status |
Limits, terms and the cost of credit depend on the finance provider and your application. The provider shows you the exact cost, including any interest, before you agree. Amounts shown are maximums and are illustrative only.
A Management Fee, usually 10% of the approved amount, is deducted from the payout. If you applied through our website, you can use it as a 10% deposit towards your treatment at an FHG partner hospital, clinic or agency within 3 months; if you applied through a link from an FHG partner, the partner may credit it against your treatment price. See clauses 7.6 and 7.7 of our Terms and Conditions for details.
Frequently asked questions · All countries
Other countries: United Kingdom · United States · Canada · Germany · New Zealand
Content reviewed by David McKenzie, Finance Health Group Ltd (FCA FRN 915721). Last reviewed: 22 October 2026.
