FCAAuthorised & Regulated · No. 943426 · Lending in the United Kingdom and internationally since 2016
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Medical loans for care that cannot wait.

Treatment, surgery, recovery, and ongoing care — when waiting is not an option. £5,000 to £2.5 million, at our flat 1.5% APR. Same-day decisions available for urgent cases.

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What medical loans can fund

The decision to fund private medical care is rarely simple. The options are bewildering, the timing is often urgent, and the cost varies enormously by procedure, country, and provider. Our role is to make the financial side straightforward so you can focus on the care.

Our medical loans cover private treatment in the UK and internationally, specialist consultations, surgery, fertility treatment, dental work, recovery and rehabilitation, mental health treatment, and any pre-treatment diagnostic costs.

Who this loan is for

  • Patients seeking private treatment that the NHS waiting list cannot offer in the time required
  • Individuals undergoing complex surgery, including specialist procedures abroad
  • Couples financing fertility treatment, IVF cycles, and associated costs
  • Patients needing dental treatment — implants, cosmetic dentistry, full restorations
  • Anyone requiring ongoing rehabilitation, physiotherapy, or recovery support
  • Individuals seeking mental health treatment, residential care, or specialist therapy
  • Family members supporting a loved one's treatment financially
I needed a hip replacement and the wait was 18 months. ASAF made same-day decisions and I was in surgery within three weeks. The repayment is genuinely manageable. — Margaret S. · medical loan, £14,000 · Bristol, UK

How medical loans are handled

Medical applications are handled by a dedicated team that understands both the urgency and the sensitivity of these requests. Where treatment is time-critical, we triage applications for same-day decisions wherever the documentation permits.

Funds can be paid directly to the medical provider — clinic, hospital, fertility centre — which avoids any delay in beginning treatment. Many of our patients prefer this for the security and simplicity it offers.

For ongoing or staged treatment (e.g. multiple IVF cycles, phased dental work, sustained rehabilitation), we structure the facility with staged drawdown so you only pay interest on funds you have actually used. This is particularly valuable for treatment plans that may last 12 to 24 months.

Same-day urgent decisions

Time-critical treatment? Tell your manager. We prioritise medical applications and aim for same-day approval.

Direct payment to provider

Funds can be paid directly to your clinic, hospital, or specialist — no delays, no intermediary handling.

Confidential treatment

Medical applications are handled with strict confidentiality. Your file is reviewed by a small dedicated team only.

The process

From application to funded,
in four steps.

Each step has a defined timeline and a real person attached to your file. No black-box scoring, no run-around.

1
Apply

~3 minutes online

2
Review

Manager calls within 24 hours

3
Decision

Up to 5 working days

4
Funded

Same day on completion

Frequently asked

The honest answers,
before you ask.

For urgent cases — surgery within days, time-sensitive treatment — we aim for a same-day or next-business-day decision, with funds transferred immediately upon acceptance. Tell your relationship manager the timeline in your initial conversation; we will work to match it.
Yes. We fund treatment in any of our 28 supported countries, and we have particular experience with cross-border medical travel — including treatment in mainland Europe, the United States, and parts of Asia. Funds can be paid in the appropriate local currency.
Yes. Fertility treatment is one of our most-requested medical loan categories. We structure these facilities to support multiple cycles where needed, with staged drawdown so you only pay interest on funds drawn down. Treatment can be UK-based or international.
Yes. Major dental treatment — implants, full-mouth restorations, orthodontics, cosmetic dentistry — is funded under our medical loan product. Treatment plans typically span 6–24 months, which we accommodate with staged drawdown.
Yes. Medical applications are handled by a dedicated team with strict confidentiality protocols. Your medical details are not shared beyond the underwriters reviewing your application, and never appear in any post-completion correspondence.

Begin your medical loan application

Treatment, surgery, recovery, ongoing care. Same-day decisions where the case is urgent. Direct payment to your provider.

Begin your application → Speak to our team