Arguably one of the most important aspects of modern life is healthcare and how we choose to provide this for ourselves and our families. In South Africa, the cost of private healthcare doesn’t come cheap and often we are left with a heap of medical expenses and insufficient credit card facilities over and above our medical aid cover, even if we have medical aid cover to start with.

So, what happens when we find ourselves in need of a medical procedure, follow-up procedure or an aesthetic treatment (such as specialist dentistry, hair restoration or IVF) that isn’t covered by medical aid? We end up with aggravated anxiety, pain and stress.

The cost of private healthcare in South Africa is reported to be the highest in the world.

- Fin24

The reality is that it could happen to anyone of us at any given point in time. In this article, we would like to highlight MediFin Financial Services as the most feasible option available to you and your family should you find yourself in this situation.


At MediFin, we provide finance solutions for clients, allowing them to move forward with their treatment or procedure sooner rather than later. We service all medical doctors, dental practitioners and surgeons throughout South Africa.

Over our seven years operating as an Authorised Financial Services Provider and Registered Credit Provider, we have been an integral part in delivering life-changing loans to thousands of MediFin approved clients, allowing them to finance their desired medical procedure quickly and at a fair and competitive interest rate.

Recently one of our clients, Mishke Du Toit, took it upon herself to compare our interest rates against other prominent loan providers, including top South African banks. Needless to say, MediFin came out tops.

I've done some comparisons between well-known loan providers, including my current banks -MediFin offered me the lowest interest rate. Thank you for your speedy service

- Mishke du Toit


In a lot of ways, credit cards and a MediFin loan are one and the same: Both let you borrow money and repay it over time, and both options charge interest for the privilege.

Unlike your bank, MediFin doesn’t ask any personal questions about your treatment or procedure; instant pre-approval and funds are paid directly to your selected doctor’s practice within 24-hours.

We offer a genuinely hassle-free solution-focused purely on your best interests.

- MediFin CEO

Repayment terms are flexible and based on your affordability. MediFin is fully compliant with the National Credit Act of South Africa, making us the best alternative to any credit card.

  • We finance all medical, cosmetic and dental procedures up to R150,000
  • You can finance the full or partial amount covering the procedure
  • You can apply online at without visiting a bank
  • No deposit or collateral needed
  • Affordable payment options to suit your individual needs
  • No penalties for early settlement

Be sure to consider all available financing options before proceeding with your treatment or medical procedure.

To find out more about MediFin loan or short-term insurance to fit any budget, visit our home page.


MediFin subscribes to a number of governing bodies and regulatory boards and is regularly audited and fully compliant with legal requirements.

  • Authorised Financial Services Provider (FSP46701)
  • Registered Credit Provider (NCRCP8071)
  • MFSA number (7196)