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    Medical Loans made Simple!

    Get Medical Loans starting at 0% interest for your IVF, Surrogacy and ICSI treatments.

    It just takes 2 minutes!

    Note: Loan amount ranges from Rs. 50,000 to Rs, 10,00,000. Loan tenure ranges from 6 months to 60 Months.
    Getting a medical loan with Ela is Simple

    Online Application Form

    Just fill in our online application form by mentioning your name, your employment and other relevant details which will help us in processing your application faster. It does not take more than 5 minutes!

    Submit Details of your Treatment

    Let us know your treatment details online by answering a few questions. This process would take no longer than 2 minutes.


    Get Approval Instantly

    Choose your Loan Term and we will approve your loan within minutes. Our finance partner’s algorithm uses the information about you, to determine your future potential and help you get the option of 0% interest rate.

    You're Done!
    Get the money in your Bank Account
    within two days.

    Repaying an Ela Medical Loan is just as simple

    Repay your loan with monthly EMI payments. We will let you know those details post disbursement of your approved amount.

    Eligibility Criteria

    Documents Required after Digital Approval

    What people are saying

    Anil Malhotra
    Ela medical loans assisted us by financing our diagnostic tests and fertility treatment when we had cash crunch. We are grateful to Ela for the best financial assistance.
    Shefali Rai
    My husband and I are relieved as we did not have to struggle a lot for finding a trustable source for receiving money for our fertility treatment as we found Ela loans.
    Mannu Chadda
    We were facing a lot of difficulty with finances for our IVF treatment. Ela medical loans helped us to a great extent and we received the money within a few days time.
    Ishu Sahani
    My sister received the best guidance and assistance from Ela specialists. In fact, the loan payback policies were very flexible. I really believe living in 21st century!

    Medical Loans

    Medical treatments in India has increased to a great extent in the recent years. This has led to the increased demand of financial assistance for health checkups, surgeries as well as fertility treatments. Medical treatment is one such critical parts of the healthcare system which needs to be addressed at the right time but only few individuals have the right precaution for themselves. So, you can clearly understand that most of the individuals are not prepared for this critical stage of their lives and require urgent financial assistance for the respective medical treatment or procedures. When you or any member of your family member needs medical treatment then you want funds to buy medicines and pay for the treatment procedure in advance. In such cases, medical loans are the savior in your lives. You need to know that nowadays, instant medical loans are also available for the individuals who are seeking urgent funds to pay for the medical procedures. One must not worry whether they or their family members are insured or not because of an instant and trustable solution provided by the medical loans. These days, medical loans are in greater demand than insurance policies in front of the eyes of younger generation because of its multiple benefits such as instant approval, quick disbursement of funds after approval as well as medical loan covers all health conditions. Medical loans come under the category of personal loans.

    What is an Instant Medical Loan?

    An instant medical loan is a type of loan which is designed for individuals who seek urgent money to pay for medical procedure. You can apply to an instant loan online and ensure that you receive the money as soon as possible, so that the medical procedure or surgery can get started. This is very useful in case of fertility treatments like IVF, Surrogacy and ICSI among others. The best part is that you can apply for instant medical loan online and get the required funds at the right point of time which depends on your salary, city of current residence and other factors.

    How does Instant Medical Loan work?

    The Instant Medical Loan is usually provided by P2P lenders, Non Banking Finance Companies (NBFC’s), Banks, Government Funds and Fintech companies. Ela offers instant medical loans to salaried working professionals aged between 21 - 55 years. The amount provided by Ela in the form of medical loans can be successfully utilized for paying the respective medical treatment bills.

    Benefits and Features of Instant Medical Loan

    - Quick Approval of Loan: Once you apply for an instant loan at Ela, you will receive the funds within 24-48 hours. The best part is that the process is quite simple and any working professional can apply for it easily.

    -No Collateral Needed: Ela loans are unsecured. You do not need to put your assets at mortgage for an instant medical loan approval.

    -Less Processing Time: Ela utilizes its proprietary risk model for finding out the repayment capacity of the respective individual who has applied for medical loan. Therefore, once the verification is successfully completed then you will receive the funds within next 24 hours.

    -Leeser Documents Required: The number of documents required for the completion of the procedure is least and it is digitally approved.

    -Multiple Repayment Options: Ela provides a range of options so that the individuals can repay the money back according to their comfort. You can pay the loan back within 6 months - 60 months of time period comprising of high EMI and low EMI paid for less number of months and more number of months respectively.

    Eligibility Criteria for Instant Medical Loan at Ela

    You should meet the below mentioned criteria to be eligible for an instant loan online from Ela:

    • You must fall in the age group of 21-55 years.
    • You need to be a salaried employee earning a net monthly income of at least Rs. 15,000.
    • There must not be any financial defaults on your part in the past 24 months.
    • You must be residing in any of the following places: 
    • Bangalore
    • Delhi/NCR
    • Chennai
    • Mumbai
    • Hyderabad
    • Ahmedabad
    • Pune
    • Jaipur
    • Kolkata
    • Lucknow

    Required Documents to get Instant Medical Loan from Ela

    Keep these documents handy to ensure quick processing of your loan application:

    • Aadhar card
    • PAN card
    • Current address proof
    • Permanent address proof (in case the current address is not permanent) 

    Interest Rate & Other Processing Charges

    APR at Ela falls in a range of 11.99% to 25%. Processing fees is low and lies between 1-3%. However, your personal information, work experience, past EMI payments are going to be the important factors while deciding the final quote. 

    Benefits of Medical Loan Preferable over Health Insurance

    Medical LoanHealth Insurance
    Enables you to use the loan amount for various health conditions be it fertility treatment or any other medical emergency.Health insurance covers only specific number of health issues and not necessarily include pre-existing medical conditions.
    Medical loan amount can be used for many purposes including pre-hospitalization charges, surgery and even for the expenses of medicines after hospitalization.Doesn’t include post hospitalization expenses. 
    Covers complete diagnostic tests prescribed by the doctor and the ones too costly to be managed right away. Many of the insurance companies do not provide coverage for diagnostic tests and medicines resulting in separate cash arrangements at your end. 
    Have instant access to the cash even before treatment is started. A mandatory completion of a waiting period where you are required to make payments initially only to get it reimbursed later on.
    A medical loan can be used for all types of diseases or health conditions.No coverage for sexually transmitted diseases, treatments related to pregnancy and cosmetic surgeries by most of the insurance providers. 


    1. What is the maximum and minimum loan amount which can be availed by the loan applicant for medical treatment?

    At Ela, the loan amount comes in between Rs. 50,000 to Rs. 10 Lacs.

    2. What is the age limit to apply for medical loan?

    Your age should fall between 23-55 years to avail an instant loan for medical treatment from

    3. How much CIBIL score should I have to get instant medical loan from Ela?

    Your minimum credit score or CIBIL score should be 600 at least.

    4. How much rate of interest will be charged on medical loan?

    The rate of interest for a personal medical loan is based on the borrower’s income, CIBIL score, employer, age etc. However, Ela obtains information from your application form and different other data sources to come up with a personalized loan offer for you. Our interest rates begins at 11.99%.

    5. How can I apply for an instant medical loan at Ela?

    To apply for a loan online, mail us at [email protected] . For queries, please Whatsapp us on +91 78999 126 11.