Medical Bills Loan Singapore
Medical bills more than what your insurance or MediSave covers? Bridge the gap with a personal loan of up to 6× your monthly income, with same-day cash.* *Subject to assessment and approval at QuickLoan.
Less Paperwork
Prefill details with Singpass
Start From Anywhere
Apply around appointments or caregiving
Saturday Visits
Keep weekdays for care
When unexpected costs arise
Still Have Medical Bills to Pay?
An unexpected hospital stay or a loved one’s treatment can leave a bill you hadn’t budgeted for. QuickLoan’s medical loan is a personal loan for medical expenses, subject to assessment and approval.
A Balance After Insurance
Insurance or MediSave covers part of the bill, but you still have a shortfall to pay.
An Unexpected Medical Emergency
An unplanned hospital stay or procedure leaves expenses beyond your available savings.
Helping a Loved One
You’re helping with a family member’s treatment while managing your own household bills.
Your treatment, your funding gap
What Medical Expenses Can a Personal Loan Cover?
A personal loan can help cover remaining hospital bills, medical procedures and treatment expenses. Apply only for the shortfall you can afford to repay.
Hospital Bills
The remaining balance from an unexpected admission or planned hospital stay.
Surgery & Procedures
Out-of-pocket costs for an operation or a medical procedure recommended by your doctor.
Specialist Consultations
Consultation fees when you need specialist advice or further assessment.
Tests & Scans
Blood tests, diagnostic scans and investigations needed to understand your condition.
Dental Treatment
Dental procedures, crowns or dentures where available coverage leaves a shortfall.
Medication & Follow-Up Care
Prescribed medication, rehabilitation and follow-up appointments during recovery.
Confirm your bill, insurance payout and available MediSave before deciding how much to apply for. Review the loan fees and repayments before committing.
Before you borrow
Work Out Your Medical Bill Shortfall
When a medical bill arrives unexpectedly, these three checks can help you decide how much you need and can afford to repay.
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Confirm the Remaining Bill
Ask your healthcare provider what you still owe, when payment is due and whether more treatment costs are expected.
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Check Available Support
Confirm insurance and MediSave coverage. Ask about financial assistance or payment arrangements before calculating your shortfall.
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Allow for Repayments
Leave room for household bills, existing loans and ongoing care. Consider any reduced income during recovery or caregiving.
Need help understanding your payment options? Speak with your healthcare provider’s billing team or Medical Social Worker about support available to you.
Before you apply
Minimum Criteria for a Medical Loan
Check QuickLoan’s minimum age and salary requirements before starting your application.
Minimum Age
18 years old and above.
Minimum Monthly Salary
S$1,800 for Singapore Citizens, PRs and foreigners.
Meeting the minimum criteria does not guarantee approval.
Your borrowing limit
How Much Can You Borrow for Medical Bills?
Qualifying borrowers may borrow up to 6× their monthly income. Your existing loans and ability to repay affect the amount available.
Swipe to view the full table.
| Monthly income | Singapore Citizens & PRs | Foreigners residing in Singapore |
|---|---|---|
| Below S$834 | Up to S$3,000 | Up to S$500 |
| S$834 to S$1,667 | Up to S$3,000 | Up to S$3,000 |
| S$1,667 and above | Up to 6× monthly income | Up to 6× monthly income |
The limits apply across all licensed moneylenders combined. Existing unsecured borrowing reduces the amount you may borrow for your medical bill shortfall.
These are regulatory limits, not guaranteed loan amounts. QuickLoan’s minimum monthly salary requirement is S$1,800.
Medical Loan Interest, Fees & Repayments
Check the cash you’ll receive and the total cost of repayment before committing to a loan for your medical bills.
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4%
per month, maximum
Interest is charged on the outstanding principal, which decreases as you repay it.
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10%
of principal, maximum
Loan approval fee may be deducted when the loan is granted, reducing the cash available for your medical bills.
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4%
per month, maximum
Late interest may apply to overdue amounts, excluding repayments that are not yet due.
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S$60
per month, maximum
Late payment fee may apply for each month a repayment is late.
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100%
of principal, maximum
Combined interest and fees, including late interest, loan approval fees and late payment fees, cannot exceed the original principal.
Confirm the amount you’ll receive after any approval fee. Make sure repayments leave room for ongoing treatment and everyday expenses.
These are regulatory ceilings, not QuickLoan’s standard charges. Your actual interest rate, fees and repayment schedule will be explained before you sign.
Estimate Your Medical Loan Repayments
See how repayments could fit alongside ongoing care and household expenses.
Estimated monthly repayment
S$535.58 / month
- Loan amount
- S$3,000.00
- Total interest
- S$213.46
- Total repayments*
- S$3,213.46
*Excludes the one-time loan approval fee of up to 10%. Estimates assume equal monthly instalments, interest on the reducing principal and on-time repayments. Slider ranges are planning inputs, not an offer or eligibility limit. Approved amounts, rates and tenures depend on assessment and applicable borrowing limits.
How to Apply for a Medical Loan
Start online, review your offer and visit our office to complete your application.
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Start Your Application
Apply online or use Singpass to prefill your details. Share the amount you need for your medical bill shortfall.
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Review Your Loan Offer
Check the cash you’ll receive, fees and repayments. Allow room for ongoing care and household expenses.
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Visit to Complete Your Loan
Bring your documents for in-person verification. Read the contract and sign once you understand and accept the terms.
Applications are subject to assessment and approval. Identity verification and loan completion take place in person at our licensed office.
Documents Required for a Medical Loan
Prepare your documents before visiting. Choose your residency to see what to bring.
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NRIC To confirm your identity
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Singpass access For retrieving your Myinfo information
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Three months of payslips If available
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If you rent, bring these together
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Tenancy agreement
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Phone or utility bill A recent bill showing your address
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Passport To confirm your identity
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Valid work pass To confirm your status in Singapore
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Income information Recent payslips for repayment assessment
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Proof of local address Tenancy agreement and a recent phone or utility bill
Keep your medical bill or estimate handy to calculate your shortfall. Further documents may be requested during assessment. Never share your Singpass password or banking credentials.
Medical Loan Questions, Answered
Is QuickLoan’s medical loan a personal loan?
Yes. It is a personal loan that can be used for medical expenses, including hospital bills, treatment and follow-up care. Your application is subject to assessment and approval.
Can I borrow for medical bills not covered by insurance or MediSave?
You can apply for a loan to cover the remaining shortfall. First confirm what your insurance, MediSave and any available assistance will cover, so you apply only for what you need.
Can the loan cover emergency surgery or other medical procedures?
You can apply for funding towards emergency surgery, planned operations and non-surgical medical procedures. A medical emergency does not guarantee loan approval or immediate funding.
Can I use the loan for dental treatment?
You can apply for a personal loan towards dental expenses, including procedures, crowns and dentures. Check your available coverage and the treatment estimate before calculating the amount you need.
Can I apply to help pay a parent’s medical bills?
Yes, you can apply to help cover a parent’s or another family member’s medical expenses. If you take out the loan in your name, you are responsible for its repayments.
How quickly can I receive the funds?
Same-day funding may be available after successful in-person assessment, document verification and signing. Timing depends on your application and whether further information is needed.
What are QuickLoan’s minimum application criteria?
You must be at least 18 years old and have a minimum monthly salary of S$1,800. This salary requirement applies to Singapore Citizens, PRs and foreigners. Meeting these criteria does not guarantee approval.
Can foreigners apply for a medical loan in Singapore?
Foreigners residing in Singapore can apply, subject to QuickLoan’s criteria and assessment. Prepare your passport, valid work pass, income information and proof of local address for verification.
How much can I borrow for medical expenses?
Qualifying borrowers may borrow up to 6× their monthly income, subject to applicable limits across all licensed moneylenders combined. Existing unsecured borrowing reduces the amount available. QuickLoan may approve a lower amount based on your financial commitments and repayment capacity.
Can I apply if I already have another loan?
You can apply, but existing loans affect your available borrowing limit and ability to repay. Share your current commitments accurately so QuickLoan can assess whether additional borrowing is suitable.
What interest rate and fees will I pay?
Your actual rate, fees and repayment schedule will be explained before you sign. The limits shown in the interest and fees section are regulatory ceilings, rather than QuickLoan’s standard charges.
Check both the cash you will receive after any approval fee and the total amount you will repay.
Can I complete the whole application online?
You can start online or use Singpass to retrieve your Myinfo details. Identity verification and loan completion take place in person at QuickLoan’s licensed office.
What if my income changes during recovery?
Tell QuickLoan about any expected reduction in income before borrowing. Plan repayments around what you can afford while allowing for household expenses and ongoing care.
What should I do if I cannot make a repayment?
Contact QuickLoan as early as possible to explain your circumstances and discuss available options. Late interest and fees may apply under your contract. Avoid taking another loan without first reviewing your overall repayment position.
Visit QuickLoan at International Plaza
Bring your documents and discuss your medical bill shortfall with our team in person.
Our Tanjong Pagar Office
QuickLoan Pte Ltd10 Anson Road, #01-15
International Plaza
Singapore 079903
- By MRT
- Take Exit C at Tanjong Pagar MRT and walk to International Plaza.
- Opening hours
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Monday–Friday: 11 am–8 pm
Saturday: 12 pm–5 pm
Closed Sundays and public holidays