For customers and clinics
Instant approval, right at the clinic
No waiting, no callbacks, no branch visit. You apply with your Emirates ID from your phone, and Hazel returns a decision in minutes.
In short
Hazel returns an automated credit decision in minutes at the clinic, with no manual review and no callbacks. The clinic is paid in full and treatment can often begin the same day.
Because the assessment is automated by our Lending Partner, a licensed UAE bank, the credit decision is made on the spot. The clinic is paid in full on approval and treatment can often start the same day.
How approval works
An automated assessment, delivered while you're still at the clinic.
A decision in minutes
A fully automated assessment by our Lending Partner. No manual underwriting queue, no waiting days for a person to review your file.
No callbacks
You get your answer on the spot, not days later by phone or email.
A soft eligibility check
Checking is a soft pre-check for an indicative decision — the full credit assessment happens later, with our Lending Partner.
What happens in those minutes
Four steps, start to finish, without leaving reception.
- 01
Submit the application
Your Emirates ID and a few details, entered from your phone.
- 02
Automated assessment
Our Lending Partner assesses your application instantly against its criteria.
- 03
Decision delivered
You see your result in minutes, approved or not.
- 04
Clinic notified
On approval, the clinic is paid in full and treatment can often begin the same day.
What you'll need
Four things make you eligible for an instant decision.
- A valid Emirates ID
- Salaried UAE residency
- A monthly salary of 5K or above
- An active credit history
Built for customers and clinics alike
For customers
An answer before you leave
- A decision in minutes
- No callbacks or waiting
- A soft eligibility check
- Finance from 10K to 150K over 2 to 48 months
For clinics
Convert in the room
- No manual review for your staff
- Decisions during the appointment
- Paid in full on approval, no repayment risk
- Fewer drop-offs after the consultation
Instant approval vs the bank queue
Why a decision lands in minutes, not days.
| Hazel instant approval | A bank loan | |
|---|---|---|
| Where you apply | At the clinic, from your phone | At a bank branch |
| Time to a decision | Minutes | 3–5 business days |
| Paperwork | Emirates ID + a few details | Forms, payslips, branch visits |
| When treatment can start | Often same day | After approval & sign-back |
| Built for healthcare | Yes | No |
Questions, answered.
Get your answer in minutes
Check your eligibility in up to 2 minutes. No commitment — just a quick soft pre-check.