Borrowers

Personal loans for medical expenses

A lack of funds should never prevent you from getting the healthcare treatments and services you need. That’s why our easy medical financing program is fast and affordable. Because your number one priority should always be your health. We offer fast loans for medical procedures and surgeries, medical bills, medical expenses, and more.

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You can apply online, from anywhere. Simply provide the required information, choose your term and monthly payment, and then sign the online agreement. It’s all fast, easy, and secure.

Benefits of a LendingUSA Personal Loan

Increased
Buying Power
Up to $47,500

We can provide loans from $1,000 to $47,500. That gives you the power to afford more of the services you want, when you want them.

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A budget-friendly solution

We offer affordable monthly payment options and fixed rates, giving you the ease of paying over time.

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Pay $0 in interest when you pay off your loan in full within 6 months*.



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Personal Financing

Loans for medical bills can help you get the care you need while alleviating financial stress. Medical costs can be extremely expensive and, often, they hit us when we least expect it. Whether you have a fall or accident, or you are diagnosed with a disease or condition that requires surgery, it can be easy to worry about how much everything is going to cost. But worrying about cost should be the last thing you are spending precious energy on when you should be focusing on healing and getting better.

That is where loans for medical bills, or healthcare loans, can relieve some of your worries and let you get back to focusing on rehabilitation and healing. With medical financing through LendingUSA, you can pay for all or most of your medical expenses with one simple unsecured personal loan that you then can pay off with monthly payments over time. The process to qualify for a medical loan is extremely easy and the funding could be available to you in as little as one business day, although funding times may vary. Keep reading to learn more about loans for medical procedures and medical expenses.

Types of Medical Expenses LendingUSA Finances
LendingUSA’s medical financing program is fast and affordable, and it covers all expenses related to medical procedures, surgeries, medical bills, and any out-of-pocket costs for prescriptions and medical supplies.  Whether you have medical bills because you don’t have insurance, your insurance doesn’t cover the procedure or you have a high-deductible, you can use medical financing through LendingUSA to cover any type of medical bill, both past or present.

Also, if your surgery or medical procedure has a lot of after-care expenses that include prescription drugs, bandages, special creams or ointments, those after-care supply costs can start to add up quickly depending on the procedure. Pay for all of your after-care costs with one easy personal loan from LendingUSA. You may even pay a lower APR than if you used a credit card to pay for your medical expenses. There is no penalty for paying your loan off before the end of the loan repayment period, so feel free to pay off as much of the loan as you can to limit the amount of interest that is accrued.
What type of medical procedures does LendingUSA financing cover?
Medical financing through LendingUSA can cover the upfront costs of any medical procedure, surgery, medical bill or expense that you may have. A medical loan most often comes in the form of an unsecured personal loan. Therefore, once the money hits your account, you are free to spend the money on anything you choose. Whether you are having a knee replacement or an elective cosmetic surgery, it does not matter. The following examples of procedures that can be financed are provided for informational purposes only. Please consult with a doctor or other healthcare professional regarding any medical diagnosis or treatment options.

  • Appendectomy
  • Breast biopsy
  • Carotid endarterectomy
  • Cosmetic surgery
  • Cataract surgery
  • Cesarean section
  • Low back pain surgery
  • Tonsillectomy

These are just a few of the many types of surgeries and medical procedures that can be paid for with medical financing from LendingUSA. In addition, you may need to borrow some extra money for living expenses while you recover. You could instantly pre-qualify for up to $47,500 in the form of an unsecured personal loan to cover some or all of the costs associated with any type of medical procedure that you need.
Can I get a loan for medical bills?
Yes, getting a loan for medical bills is a common occurrence that many Americans find as a convenient way to cover any out-of-pocket medical expenses that are not covered by their health insurance. In some cases, a patient may not have health insurance. Whether you have health insurance or not, you can use a loan for medical bills.

You could instantly pre-qualify for up to $47,500 through LendingUSA to cover any medical expenses you may have. The process to pre-qualify is quick, simple, and has no impact on your credit score. You can see how much you qualify for and at what interest rates by having LendingUSA complete a “soft pull” credit check of your credit history. A soft pull credit check allows lenders to get a snapshot of your credit score and credit history without having a hard inquiry on your credit report. A hard inquiry will only be done and show up on your credit report once you agree to the LendingUSA offer and you decide to go ahead with the loan application process.

After you pre-qualify, you can then see what kind of interest rates you will pay and if there are any other applicable fees that you need to be aware of. If you want to go ahead with the medical financing through LendingUSA, go ahead and complete the rest of the loan application process. Once the application is approved, you could see the money in your account in as little as one business day.
Can you get a medical loan with bad credit?
Even if you have bad credit, you could still get a medical loan. Medical expenses are not reserved only for people with good credit. Securing a medical loan with bad credit may be challenging, but not impossible. If you have bad credit, you can still apply through LendingUSA to see if you qualify for financing. You can get preapproved at LendingUSA without impacting your credit score. As a result, you really have nothing to lose and everything to gain if you do qualify. With a bad credit score, you may have to pay higher interest rates and other fees. However, when it comes to paying extra to ensure your health and well-being, it may be worth it. Before committing to a loan, always make sure you can cover the monthly payment.
How do I qualify for a medical loan?
You can pre-qualify for a medical loan in a matter of minutes and receive an answer seconds after your application has been processed through LendingUSA for a pre-approval.

First, simply visit LendingUSA’s website and click “Check My Rate” to take you to the application page. Once there, you will need to enter the loan amount you are looking for and the general service you are using the loan to pay for. There is a drop-down menu with some general service types that medical loans are typically used for. Select one once you have entered the loan amount.

Next, you will need to enter in some personal, financial and employment information. Once all the fields have been filled, consents have been agreed to, and the information has been submitted, a “soft pull” credit check will be conducted to see if you’re preapproved and at what interest rates. A soft pull credit check has no impact on your credit score whatsoever.

Once you are preapproved, you can then view all the terms and conditions of the medical loan financing. If you can afford the payments, you can move forward with securing financing. If you accept the loan offer, a hard credit pull will need to be done to finalize your approval, locking in all the terms, conditions, and interest rate. After approval, submission of any additional information required, and electronically signing your loan documents, you can receive funds in as little as one business day, although funding times can vary.
Should I take out a loan to pay medical bills?
Taking out a loan to pay medical bills may be your best option to cover medical bills or related expenses. When you take a loan out of any sort, you should always conduct a cost-benefit analysis to determine if financing is the best option available to you. To many it is; for some, it may not be.
What happens if I don’t pay a medical bill?
You should always try to pay your medical bills with the care provider or hospital where you received your procedure(s). If you cannot pay, contact the billing department to see if they can make some sort of payment plan option available to you. If you do not take any action at all, the medical debt will most likely be sold to a debt collection agency, which can damage your credit score. Once the debt is in collections, you will have to work with the agency to make a payment plan of some sort, or see if settlement offers are available.

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