# Hearing Aid Finance – FLOW Financial Services Hearing Aid Finance Looking for simple, flexible hearing aid finance? We’ll find you the right loan for your hearing aids and we make the process easy from quote to approval. FLOW Financial Services Better hearing shouldn't have to wait for the upfront cost Quality hearing aids can cost between $2,000 and $10,000 or more per pair, and that’s before audiology consultations and fitting fees. For most people that’s not spare change sitting in the bank, which is why so many put the decision off. A personal loan spreads the expense into manageable repayments so you can get the devices your audiologist recommends now.Hearing aid finance is arranged as an unsecured personal loan. The funds are paid directly to you or your audiologist, and you repay the loan in fixed instalments over an agreed term, typically between one and seven years. A longer term reduces the monthly repayment but increases total interest, and we’ll walk you through what each option looks like in practice.FLOW Financial Services arranges finance for hearing aids of any style or brand: bilateral fittings for both ears, rechargeable and behind-the-ear devices, in-the-canal and invisible models, plus audiology consultations, fitting fees and assistive listening devices. We compare more than 40 lenders to find the right product for your situation, without touching your credit file until we’re confident you’ll be approved and you’re ready to proceed. 15+ Years Experience Premium personal service 300+ 5-star google reviews Loan protection packages Easy Online Process Market leading Interest Rates Fast turnaround times High Approval rates Protect your credit score Expert Loan Brokers 40+ Trusted Lenders Tailored Loan Products Flexible Repayment options Why Choose Us Financing your first pair or upgrading to newer devices, hearing aid finance is one of our areas of expertise. Hearing aids sit in an unusual spot: part medical device, part significant purchase, often partly subsidised. Working out what to claim and what to borrow takes a bit of navigating.Maybe you’re wondering whether the Hearing Services Program or your NDIS plan covers part of the cost. You may want to know if a retiree or pensioner can qualify for finance, or whether you can finance devices for a family member and how long approval takes.We answer these types of questions every day. FLOW works with a panel of more than 40 lenders, and we know which ones assess retirees and pension recipients more favourably and which lenders are quicker to approve. We’ll also point you toward the subsidies worth checking first, so you only finance the gap that’s actually yours to pay. SAVE MONEY Our network of over 40 lenders gives us access to rates and repayment structures you won’t always find going direct. Combined with claiming any subsidies you’re entitled to first, that keeps the total cost of better hearing as low as it can be. SAVE TIME We manage the finance process from first conversation to settlement. Rather than comparing lenders and figuring out loan terms yourself, you hand it to us. The applications, the documentation and the follow-up are ours to deal with. EXPERT ADVICE We take the time to understand your situation before recommending anything. Income type, subsidy eligibility and device cost all shape the right loan, and we’ll show you the real comparison between terms so the decision is an informed one. STRESS LESS We speak with lenders before any formal application goes in, so we only proceed with options that are genuinely likely to get approved. Your credit file stays untouched until you’re ready to move forward, and the whole loan application process stays calm and predictable. Get Hearing Aid Finance Today FAQs Our Frequently Asked Questions. If you have any further questions, please contact us. What is hearing aid finance? It’s an unsecured personal loan used to pay for hearing aids and related costs. The funds are paid directly to you or your audiologist, and you repay the loan in fixed instalments over an agreed term. It can cover the devices themselves along with consultations, fitting fees and assistive listening devices. Who can apply for hearing aid finance? Anyone with a regular income, and that doesn’t mean employment income only. We work with lenders who assess retirees and pension recipients, which really matters given the number of people needing hearing aids who are past working age. How do I get started with my hearing aid loan application? Get in touch with the quote from your audiologist. We’ll ask for some basic documentation, talk through your situation and tell you what’s realistic before anything formal is submitted. From there, we guide you through each step. What documents will I need to provide? Typically proof of identity, proof of income through payslips or bank statements, and the quote from your audiologist. We’ll tell you exactly what your application needs before you start gathering anything. Should I check subsidies before applying for finance for hearing aids? Yes, always. The Hearing Services Program provides subsidised devices for eligible Australians including pensioners, veterans and concession cardholders. Some private health extras cover includes a hearing aid benefit, and NDIS participants may have devices funded through their plan. If you’re eligible for any of these, finance covers the gap between the subsidy and the full cost of the device you want. What if I'm retired or on a pension? Income eligibility doesn’t require employment. We work with lenders who assess retirees and pension recipients, and we’ll tell you what’s available for your circumstances before anything formal goes in. How long does approval take? Many personal loan applications receive a decision within 24 to 48 hours. Once we know your situation, we’ll give you an accurate timeframe. Can I finance hearing aids for a family member? In some circumstances, yes. The right arrangement depends on whose income supports the loan and who owns the devices, so get in touch and we’ll talk through the options for your specific situation. What loan terms are available? Terms typically range from one to seven years. A longer term reduces the monthly repayment but increases the total interest paid. We’ll compare the options and show you what each looks like against your budget in practice. 5 STAR GOOGLE REVIEWS What Our Happy Clients Say About Us FLOW FS FLOW is the finance broker Australians trust to make better hearing achievable The hearing test is done and the quote is in your hand. All that's left is the finance, and that's where we come in. Our brokers have access to over 40 lenders and could have your finance sorted out before your next audiology appointment. Get Hearing Aid Finance Today