Total Lifestyle Credit Shellharbour

You apply to TLC for a personal loan. TLC assesses your application. If it approves you, you repay TLC over the term you agree, which TLC says can range from 24 to 84 months.

TLC decides, not the clinic. TLC says you must be 18 or older and an Australian resident, though it accepts some visas. You need a current driver licence, passport or Medicare card, and proof of income such as payslips, tax returns, Centrelink statements or bank statements.

Tell TLC about any current Part IX or Part X agreement. These are debt agreements and personal insolvency arrangements.

TLC says interest rates depend on a number of factors, including the information you give it and its assessment of your application. Its published examples include an establishment fee and a monthly service fee. Ask TLC for a quote based on your own circumstances, and read the full terms before you accept.

The clinic lists TLC as a way to pay and decides what it accepts for each treatment. Please contact the Shellharbour clinic or call (02) 4216 9911 to ask whether you can use it for yours.

You can take time to decide. Your care and your loan are separate decisions, so you can pause, ask about another way to pay or decide not to go ahead.