Payment Information
MediPay Shellharbour
MediPay offers payment plans that are personal loans. Here is how a plan works, what approval means, what it costs and how to ask the clinic.
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Payment Information
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About MediPay Shellharbour
How does MediPay Shellharbour work for dental costs?
MediPay offers payment plans for medical and dental treatment. A plan is an unsecured personal loan, not an instalment service. MediPay says you can borrow from $2,001 to $30,000, that plans run for 48 months and that you can repay sooner with no early repayment penalty.
You apply online. MediPay says it aims to email you a decision in 60 minutes or less. That is a conditional approval. It applies during normal NSW business hours and depends on MediPay getting all the information it needs. Final approval is subject to MediPay's lending criteria.
MediPay charges interest. It also charges a one-off loan approval fee, which it adds to the amount you borrow, and a monthly administration fee. The clinic lists MediPay as a way to pay, but MediPay decides whether to approve you, not the clinic. Ask the clinic whether you can use it for your treatment.
Planning Your Visit
Bring the questions that matter to you
Your Considerations
Questions can guide your next step
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Can you afford the repayments for the full 48 months, including the monthly fee?
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Do you know the interest rate, loan approval fee and monthly fee for the amount you would borrow?
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Have you asked the clinic for your treatment cost first, so you know how much you need to borrow?
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Frequently Asked Questions
More about MediPay Shellharbour
You apply online to MediPay for a payment plan. If MediPay approves you, it says it pays the provider directly and you repay MediPay over 48 months. You can repay sooner without an early repayment penalty.
Read how MediPay works on medipay.com.au
Ready To Book A Dental Visit?
Call or book online and say what you would like help with. Ask what your visit includes and what it costs. At the visit, discuss your concerns with the dentist; you can review any proposed treatment and its costs before deciding.