Medical Loan

A BTB Creditz Medical Loan is an unsecured loan designed to help cover medical expenses that aren’t fully covered by insurance or MediSave. It’s a flexible financial solution for unexpected healthcare costs.

Our medical loans can help cover a variety of expenses, including:

• Surgical and non-surgical procedures
• Consultation fees
• Emergency treatments
• Hospital stays
• Medications
• Follow-up appointments
• Diagnostic tests

Our medical loans are distinguished by:

• Quick processing and disbursement
• Simplified application steps
• Dedicated customer service. We prioritise speed and convenience to ensure you can focus on recovery without financial worry

Before applying, consider:

• Whether you need a secured or unsecured loan
• Comparing interest rates to find the best option
• Understanding any potential fees (we maintain transparency about all costs upfront)
• Your financial situation to determine the appropriate loan amount and repayment schedule

Here’s an overview of typical costs for common procedures, which may vary based on the medical facility:

• Cataract Surgery: Approximately $1,200
• Heart Procedures: Around $5,600
• Chronic Conditions Management: Roughly $1,100
• Surgical Removals and Treatments: From $1,000 to $4,800.

These are estimates, and actual costs can vary.

Medical loans can cover ongoing costs beyond initial treatments, such as follow-up visits, additional surgeries, and long-term medications, reducing financial pressure during recovery.

Eligibility criteria include:

• Singapore Citizens, PRs, or Foreigners with valid work permits
• Minimum age of 21
• Employment or self-employment

Required documents include:

For Singaporeans / PRs:

• Proof of identity (NRIC, passport)
• Proof of income (CPF / bank statements)

For Foreigners:

• Work Permit / S Pass / E Pass
• Proof of residence (Utility bills, phone bills, tenancy agreement, etc.)
• Payslips / bank statements

Our process is straightforward:

1. Complete Your Application Online: Submit our quick online loan application form in just 2 minutes, or use Singpass.
2. Get Loan Approval: Receive in-principle approval often within an hour, minimising your wait time.
3. Receive Your Funds:Sign the loan contract face-to-face and get your funds immediately on the spot.

Funds are typically disbursed immediately after you’ve accepted and signed our loan contract at our office at 82 Lorong 25A Geylang, Singapore 388261.

Yes, we consider applications even if you have other loans. At BTB Creditz, we aim to offer competitive packages to everyone.

Absolutely! At BTB Creditz, we understand that financial situations can be complex. Unlike traditional banks, we do not base our decisions on credit scores.

Each application is assessed case-by-case, considering your current financial condition and repayment ability. We aim to provide accessible solutions to all, regardless of past financial challenges.

No, BTB Creditz does not impose penalties for early repayment. This may also reduce your interest obligations.

Contact us early if you face repayment issues. We’re committed to finding workable solutions.

All loan details are maintained digitally and securely with us to ensure confidentiality; physical copies are provided upon request.