Health & medical

Private medical treatment
loan

NHS waiting lists can stretch to years. A Cash Train loan funds private consultant appointments, diagnostics, physiotherapy and planned procedures so you get treated on your timeline.

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Unregulated lender • Apply online — decision in minutes

What private medical care costs

Typical private healthcare costs in the UK

Consultant appointment

£200–£500

Initial private specialist consultation. Price varies by specialty — orthopaedic and cardiac consultants tend to sit at the top of the range.

MRI or CT scan

£400–£900

Standalone diagnostic imaging at a private clinic or hospital. Results are often available the same day, with a radiologist report within 24–48 hours.

Physiotherapy course

£400–£1,200

Six to twelve sessions for injury rehabilitation or chronic pain management. Prices depend on session length and therapist experience.

Planned surgery

£2,500–£8,000

Procedures such as cataract removal, hernia repair, or hip replacement. Available at BMI, Spire, and Nuffield Health hospitals across the UK.

Private healthcare prices vary by hospital group, specialty, and location. London and the South East typically attract a significant premium. Always obtain a written fixed-price quote before proceeding.

Loan options

Match the loan to your treatment

Quick

£100–£500

1–3 months

A consultant appointment, scan, or short physiotherapy course.

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Flex

£500–£2,000

3–12 months

A longer treatment course, multiple appointments, or a diagnostics package.

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Plus

£2,000–£5,000

6–24 months

A planned surgical procedure or comprehensive private treatment plan.

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The process

How Cash Train works

Apply online

Fill in a short form with your details and the amount you need. Takes under 3 minutes.

Fast decision

Our technology checks your affordability and credit profile. Most decisions take under 2 minutes.

Money to your account

Approved and signed? We transfer funds direct to your bank — most arrive the same day.

Common questions

Medical treatment loan FAQs

If cover is available without waiting periods for your specific condition, yes — insurance is usually the better financial option. However, insurers routinely exclude pre-existing conditions, impose excesses, or limit the specialists you can see. A personal loan has no such restrictions.

Yes. Private therapy, CBT, psychiatrist consultations, and residential mental health programmes all qualify. There are no restrictions on the type of medical treatment your loan can be used for.

For mental health, MIND and Young Minds offer free support, and NHS IAPT services provide talking therapies at no charge. Some NHS hospitals also offer self-pay rates for certain procedures that are significantly below full private prices — worth asking your GP.

Check your employee benefits before borrowing. Many medium and large employers offer group private medical insurance as a workplace benefit. Some schemes also cover family members. Your HR team or employee benefits portal will have the details.