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Apply For a Medical Loan Today

EZ Loan offers medical loans to provide fast, accessible funding for unexpected healthcare expenses. Our streamlined application and 20-minute approval process ensure clients can focus on health and recovery without financial stress. Medical loans from EZ Loan are ideal for covering costs related to surgeries, hospital stays, treatments, and medication, giving borrowers the financial support they need when it matters most. To be eligible for a medical loan from EZ Loan, you must be a Singaporean citizen or permanent resident, aged between 21 and 65, with a minimum annual income of $ 20,000. As a licensed money lender, EZ Loan offers transparent, reliable services. Our medical loans provide a lifeline to those needing quick cash flow, with easy-to-manage instalments and personalised repayment plans. Borrowers can trust EZ Loan’s efficient service and dedicated support to ease the strain of medical costs. Medical expenses can be overwhelming, but EZ Loan’s commitment to fast, reliable medical loans makes a difference. Our knowledgeable team is here to guide you through every step, ensuring you receive the necessary funds and support to handle healthcare needs confidently.

Apply Online, Quick and Easy with EZ Loan

How much do you want to borrow?

$1,000

$1,000

$100,000

Term (months)

6 months

1 mths

36 mths

Apply Now - 20 Minutes Approval
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Updated 19 October 2025

What Are Medical Loans?

A medical loan is a flexible, unsecured loan that enables borrowers to cover essential healthcare expenses without collateral. This loan type is ideal for planned and emergency medical treatments, offering financial assistance for expenses like hospitalisation, surgery, outpatient care, and long-term treatments. Medical loans provide the convenience of fixed monthly repayments, making it easier for borrowers to manage costs effectively. This financing option is precious for those looking to protect their savings or avoid the high interest rates of credit cards when facing urgent medical expenses.

Apply Now - 20 Minutes Approval
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Personal Loan Calculator

Find out how much your repayments and interest rate could be with our calculator.

How much do you want to borrow?

$1,000

$1,000

$100,000

Term (months)

6 months

1 mths

36 mths

Interest % (Monthly)

Total Payment

$0

Monthly Installment

$0

Total Interest

$0

Track Today’s Application Submitted and Processing Time

LAST UPDATE

19 Oct 2025

Application Submitted in last 30 days

4741

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Processing Time average

9 minutes

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Why Take a Medical Loan With Us

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Flexible Loan Plans

As a licensed money lender under the Registry of Moneylenders, we comply fully with the Moneylenders Act. This means you can trust that your funds come from a secure and reputable source.

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Affordable and Transparent Repayments

Before offering a loan, we take the time to understand your unique financial situation. Our experienced team will clearly explain the terms and conditions of your loan, ensuring everything is straightforward. We’re always here to answer any questions or concerns you may have.

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Quick Access to Funds

Our service goes beyond simply lending money. With personalised loan plans and fast approval, you can rely on us to provide financial support when needed. We prioritise clear communication to ensure peace of mind at every step.

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Guaranteed Privacy and Exceptional Service

Your privacy and security are our top priorities. Our team adheres to strict data protection protocols, keeping your personal information, loan details, and documents confidential. We are dedicated to delivering excellent customer service throughout your loan process.

Understanding Medical Loans

Quick and Convenient Medical Loans in Singapore

In Singapore, medical loans are available through licensed moneylenders, offering a legal alternative to traditional bank loans. EZ Loan’s 20-minute approval process allows borrowers to access funds quickly to address their healthcare needs without delays. EZ Loan’s medical loans cover a range of healthcare-related expenses, from emergency procedures to rehabilitation. Flexible repayment options—including bank transfer, PayNow, or in-person cash payments—allow clients to manage their loans easily. Our dedicated team ensures that each step is secure and straightforward, allowing clients to focus on recovery rather than financial concerns.

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We’re Ready to Support Your
Financial Needs

30-minute

Loan Approval

No Guarantor

Required

Cash

Disbursed on the spot

Licensed

by Registry of Moneylender

Eligibility Criteria

The minimum requirements for applying for a loan depend primarily on your citizenship, income level and age. We welcome Singaporeans/PRs and foreigners.

At least 21 years of age

With a minimum monthly salary of SGD 2,000

Besides banks, licensed money lenders are a great and legal alternative
to secure your loan in Singapore.

Documents We’ll Need

Singaporeans/PR

Singaporeans or PRs need to present the following:

  • check-mark NRIC
  • check-mark SingPass
  • check-mark
    If renting, provide both:
    • Your tenancy agreement
    • Proof of address such as your phone bill or utility bill
  • check-mark Payslips for the last three months, if available

Foreigners

Foreigners need to present the following:

  • check-mark Employment Pass/ S Pass / Work Permit with a minimum 6-month validity
  • check-mark Passport
  • check-mark
    Residence information in the form of both:
    • Phone bill or utility bill
    • Tenancy agreement
  • check-mark Payslips for the last three months, if available
  • check-mark Employment Contract

3 Easy Steps - Loan Application Process

Apply Anytime

You can start your application online, visit one of our offices, or connect with us via WhatsApp—whichever is most convenient for you.

Book a Consultation

Visit one of our branches for a free consultation, present the necessary documents, and finalise the loan agreement.

Collect Your Cash

Once your loan is approved, you can receive your cash in 30 minutes

Loans for All Circumstances

Browse different loan types to learn more

Why do Singaporeans choose us
as their go-to moneylender?

Read our reviews on Google or check recent ones below.

Star
StarStarStarStarStar

Aug 23, 2025

The experience was helpful and knowledgeable. I am grateful for the help, the assistance given to me was immediate and positive. I felt comfortable and confident with honest a reliable service.

Ms Ella Girl
Star
StarStarStarStarStar

Sep 23, 2025

They are very kind and welcoming. They understand your situation and cater your needs. Especially their employee Mr Baisong was very helpful. Without him it was not possible.

Prashanth SK
Star
StarStarStarStarStar

Oct 03, 2025

I was working with Jean for my loan application and my experience was fantastic. She is very thorough and professional in her work and has a very charming personality. She even waited for as I was late for my appointment. Greatly appreciated

Amresh Kochgave
Star
StarStarStarStarStar

Sep 02, 2025

Overall, I had an excellent experience consulting with them regarding my loan. From the very beginning, the team was professional, patient, and extremely approachable. They took the time to listen to my needs, understand my financial situation, and explained all the options clearly without any pressure. What stood out the most was how understanding and supportive they were throughout the entire process, which really gave me peace of mind. I truly appreciate their guidance and the level of service provided, and I would not hesitate to recommend them to anyone who is looking for a trustworthy and reliable partner when it comes to financial consultation.

Muhammad luqman
Star
StarStarStarStarStar

Oct 13, 2025

Received a Singsaver promo and saw that Ez Loan offers a very good interest rate. Enquired and made an appointment at Beach Road branch. Baisong was very helpful with my application and help to explain so that the amount I'm paying monthly is within my comfortable range. Well recommended service by Ez Loan and Baisong 👍👍

Eva Bell

Frequently Asked Questions

The loan amount varies depending on your income and repayment ability. EZ Loan provides flexible medical loan amounts designed to accommodate various healthcare expenses, from minor procedures to extensive treatments.

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Wondering how much does it cost for a personal loan from a legal moneylender? This article will answer your questions. For all licensed moneylenders in Singapore, the loan amounts and charges are drafted and calculated by adhering strictly to the rates and charges which are allowed, and stated by the Ministry of Law.

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