Incred Review

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Product Review

Incred Medical Finance is geared up to provide you with payment solutions for specific procedures which are not usually covered by your medical aid or you are unable to afford.

Elective procedures have the power to change lives, but these can be expensive. Incred can help:

  • Incred provide medical loans for a variety of medical and cosmetic surgery procedures
  • Easy repayment terms with competitive interest rates
  • No down payments or early settlement penalties
  • Simple, easy to complete application

Incred Medical Finance offer loans between R10 000 and R150 000 with interest rates that are between 18 and 26.5%. The loan period is between 6 and 36 months.

Application process

When you apply you will need to fill out a simple form that goes through your personal and financial details. Once you have submitted the form you will be pre-approved.

Your application is reviewed within 48 hours and all your information is secure. If your medical loan is approved then Incred will pay the doctor or hospital directly and then deduct the monthly debit order from your account.

Here are some of the medical procedures that Incred cover:

  • Plastic surgery
  • Breast augmentation
  • Liposuction
  • Gastric bypass
  • Dental implants

If you have an elective surgery that you want then Incred are able to finance it.


  • Provide payment solutions for specific procedure
  • Finance for various procedures
  • Covers procedures of R10 000 or more
  • 6, 12, 24 and 36 month repayment plans
  • Credit life policy included
  • Application assessed in 48 hours.

Customer Rating

4 (80%) 2 votes
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Additional info

Psychical Address: 164 Katherine Street, Pinmill Farm Building 2, Sandton, 2196


Interest Rate/APR

  • Interest is linked to the prime rate and will differ based on your risk profile. Interest is charged at anywhere from 18%-26% per annum.

Implications of Non-Payment

  • Your loan will be secured by a credit life insurance policy that covers death, disablement and retrenchment. You may choose to have us arrange this for you or alternatively you may arrange your own policy, but it is necessary to ensure you have this cover.

Financial Implications

  • No, and remember we pay your doctor upfront so no need to worry about doctor’s bills after the procedure, only your planned payments with Incred.

Potential Impact to Users’ Credit Score

You allow Incred Finance (Pty) Ltd to make enquiries about my credit record with one or more credit bureaux to confirm the information provided and to assist Incred Finance (Pty) Ltd to conduct an assessment regarding my liabilities. If I am married in Community of Property I have obtained permission from my spouse that Incred Finance (Pty) Ltd may make enquiries about his/her credit record with one or more credit bureaux to confirm the information provided and to assist Incred Finance (Pty) Ltd to conduct an assessment regarding his/her liabilities.


Unless stated otherwise there are no renewals for the medical finance service

Collection Practices

  • An agreed payment method will be discussed with you usually being a monthly debit order from your account.