Finance Options for Your Surgery

Great, you’ve decided that surgery is the path you want or need to take to start the rest of your life. Unfortunately, that doesn’t necessarily mean your bank balance is in agreeance with you. Finding the finances to fund your surgery can often be a source of frustration and anxiety. We have listed below your options to try to make the process a little easier for you.

Most banks and credit unions offer a range of special purpose savings accounts (such as Christmas Club).

Putting aside a little each week can amount to more than you think at the end of a year or two. Make sure you have checked out your interest rates – you might be able to get a higher interest for opening a savings account where you don’t withdraw.

Most banks or credit unions offer credit cards or personal loans with low interest rates or even interest-free periods. Make sure you check out their terms and conditions. There are several websites dedicated to comparing credit cards to find the best deal. Try:

This allows you to use your own funds – but it’s not that easy. The Department of Human Services (DHS) has a stringent application process for early release of your superannuation under compassionate medical grounds. To find out more visit

If you don’t already have a redraw facility on your mortgage, you could also consider paying more off your mortgage for a year or two so that you can redraw on it when you are ready to have your surgery.

There are a few finance companies who offer funding to their clients for medical procedures. Make sure you only agree to a repayment plan that suits you and read the fine print in the terms and conditions.


Don’t forget, we are not financial advisors and each individual circumstance is different! We are only suggesting different finance options for you to consider, to find the right method of funding for you.

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