Personal Loan for Medical Expenses Overview
LoanPao’s Personal Loan for Medical Expenses in India 2025 offers up to ₹20 lakh at 10%–16% p.a. to cover healthcare costs, with tenures up to 5 years. As an unsecured loan, it requires no collateral, making it ideal for surgeries, hospitalization, or treatments. With LoanPao’s network of 500+ RBI-compliant lenders, get approvals within 1–2 days via a digital process. Plan your repayments with our EMI Calculator or explore related options like Medical Emergency Loan or Personal Loan.
Contact us at +91-971-769-5334 for urgent assistance.
Benefits of Personal Loan for Medical Expenses
Up to ₹20 Lakh
Cover medical expenses without collateral.
Competitive Rates
Starting at 10% p.a.
Flexible Tenure
Up to 5 years for repayment.
Digital Process
Online application with e-KYC.
Trusted Lenders
500+ RBI-compliant banks and NBFCs.
Fast Approval
Approvals in 1–2 days.
Eligibility Criteria
| Criteria | Details |
|---|---|
| Applicant Type | Salaried, self-employed |
| Age | 21–60 years |
| Income | Salaried: ₹25,000/month; Self-employed: ₹3 lakh/year |
| CIBIL Score | 700+ preferred |
| Loan Amount | Up to ₹20 lakh |
| Employment | Salaried: 1 year; Self-employed: 2 years |
Verify eligibility with our CIBIL login tool or email info@loanpao.in.
Documents Required
- KYC: Aadhaar, PAN, Voter ID
- Income Proof: Salary slips (3 months), ITR (2 years)
- Bank Statements: Last 6 months
- Address Proof: Utility bill, rent agreement
- Employment Proof: Job letter or business registration
Loan Amount and Tenure
| Purpose | Loan Amount | Tenure | Interest Rate (p.a.) |
|---|---|---|---|
| Minor Treatments | ₹50,000–₹5 lakh | 1–3 years | 10%–12% |
| Surgeries | ₹5 lakh–₹10 lakh | 1–4 years | 11%–14% |
| Major Procedures | ₹10 lakh–₹20 lakh | 1–5 years | 12%–16% |
How to Apply
- Fill the form below with details.
- Upload KYC and income documents via e-KYC.
- Get approval in 1–2 days and funds shortly after.
Apply now or call +91-971-769-5334 for urgent support.
Compare Providers
| Provider | Interest Rate (p.a.) | Loan Amount | Tenure | Processing Fee |
|---|---|---|---|---|
| HDFC Bank | 10%–13% | Up to ₹15 lakh | 1–5 years | 0.5%–2% |
| ICICI Bank | 10.5%–14% | Up to ₹20 lakh | 1–5 years | 0.75%–2.25% |
| Bajaj Finance | 11%–16% | Up to ₹20 lakh | 1–5 years | 1%–2.5% |
Note: Rates and terms are indicative and may change (July 2025).
Uses of Personal Loan for Medical Expenses
- Hospitalization and surgeries
- Medical treatments and diagnostics
- Emergency medical travel
- Post-treatment care and medicines
Why Choose LoanPao?
Wide Lender Network
Compare offers from 500+ RBI-compliant lenders.
EMI Calculator
Plan EMIs with our EMI calculator.
24/7 Support
Contact us at +91-971-769-5334.
Tips for Application
- Maintain a CIBIL score of 700+ for better rates.
- Submit recent income documents for quick approval.
- Use our EMI Calculator to plan.
- Apply early for urgent medical needs.