Weight loss surgery financing

You’re taking control of your health and your life. Worries about cost shouldn’t weigh on your mind. That’s why we make our weight loss financing program fast, easy, and affordable – so you can afford the gastric bypass, sleeve, band, or other surgical procedure you need to be a healthier you.


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What makes us better than using a credit card?

Unlike credit cards, we offer fixed payment amounts with fixed terms. This gives you greater flexibility and control over what you pay per month. It also allows you to pay no interest on principal if paid in full within the first six months of your disbursement date*.

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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 Weight Loss Surgery Financing

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With loans up to $12,000, you won't need to settle for services you don't want.

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Select a monthly payment amount that fits comfortably into your household budget.

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


Weight Loss Surgery Financing


Is there such a thing as guaranteed financing for weight loss surgery? While some lenders may increase your chance of approval, most lenders do not offer guaranteed financing. Being severely overweight can have a negative impact on your overall health and your overall quality of life. You may suffer from mobility issues that prevent you from doing the activities that you have long enjoyed or that prevent you from spending quality time with your friends and family.

Not only are mobility issues a concern, but obesity can have a major strain on your heart and damage your blood vessels, increasing your risk of heart attack, stroke, kidney disease, and death. Obesity can lead to diabetes, sleep apnea, fatty liver disease, osteoarthritis, gallbladder disease, and even some cancers.

If you have tried dieting and exercising, but still are finding it difficult to lose weight and keep it off, you may want to consider a weight loss surgery to help you lose the weight you need to get your life back.

If you are worried about the cost of weight loss surgery because either your insurance does not cover the procedure or because you do not have insurance, then you should be looking for weight loss surgery financing. LendingUSA can provide financing for weight loss surgery and other medical procedures.

By securing weight loss surgery financing, you will not only get your life back, but you could potentially save yourself thousands of dollars in medical costs that your future may hold if you do not act now to get your weight down and under control.

What is pet financing?

Pet financing provides an affordable payment solution for purchasing a pet or for emergencies, surgeries, routine care, and more. Pets grow to be some of the best friends we have in life. Most of us want to treat them like a family member, but our financial circumstances can get in the way. Pet financing allows you to put the interests of your pet first. You can make the decisions that are best in the moment and worry about paying later. Whether you are at a veterinarian’s office or retail pet store, you should ask what financing options they offer. Surprisingly, most companies do offer some kind of pet financing. Committed partners such as LendingUSA make this possible. If your vet or pet store does not offer financing, you can visit LendingUSA and apply for a pet loan. We’ll even provide you a list of pet stores where your pet retail loan can be put to use.

What can you use a pet loan for? 

Pet loans offer a long list of uses that pet owners should take advantage of. Pet loans can be used for the following:

  • Purchasing a pet
  • Vet bills
  • Emergencies
  • Surgeries
  • Medications
  • Routine vet visits
  • Breeding expenses
  • Cremation or euthanasia
  • End-of-life care
  • Cancer treatment
  • Vaccinations
  • Spay or neuter

Can you finance a pet?

Yes, you can finance a pet. In fact, with pet prices rising, it’s becoming more common to finance a pet. When we say “finance,” we’re not referring to using a credit card to purchase a pet, but rather to use a pet retail loan. Pet retail loans may have lower interest rates than credit cards, thus making them better options in some cases. If you have been longing for a four-legged friend but are unsure how to afford one, you should apply for pet financing. At LendingUSA, you can get pre-qualified for a pet retail loan and connect with pet retailers that accept that loan. If you are pre-approved for a pet retail loan, you can take your new friend home today and make affordable monthly payments over time with interest.

What’s the average cost to take care of a pet?

Pet ownership is a big commitment, emotionally and financially. But nearly all pet owners agree that it’s a worthy one. Pets not only give us unconditional love, but they can improve our health and well-being. It’s been shown that pets can help lower blood pressure and anxiety while boosting immunity. With science and advanced breeding, we have a growing number of hypo-allergenic animals available. This means that just about anyone who is willing can be a pet owner. While you can use pet financing to cover a lot of expenses, you may still need to pay for some out of pocket. The size and health of your animal can also impact the average cost to care for them.

What are some reasons to take out a pet loan?

There are many reasons why you may need to take out a pet loan. From purchasing a new pet to paying for emergency expenses, pet loans can be used for many purposes. If you are struggling to pay for anything pet-related, you may be able to take out a pet loan.

What credit score is needed for pet financing?

Good and bad credit borrowers can qualify for pet financing. There are a variety of factors that banks use when determining one’s eligibility for a pet loan. These factors usually include credit score, income, residence, debt-to-income ratio, on-time payment history, and so on. If you are unsure if you qualify for pet financing, you can check your rate at LendingUSA without affecting your credit score. If you have credit challenges, but are able to qualify for pet financing, you should consider financing. Making on-time payments consistently and eventually paying off the loan can help boost your credit score.

Can you get a pet loan with bad credit?

If you have bad credit, you may still qualify for a pet loan. Since you are borrowing a smaller amount, pet loans may be easier to qualify for than other types of loans.

What is the best option for financing pet expenses?

LendingUSA is one of the best options for financing pet expenses. Some pet retailers may already be a LendingUSA partner. If they are, you can apply for financing through them. If they are not a LendingUSA partner, you may want to consider a pet retailer that is.

Is there pet financing for breeders?

LendingUSA knows that many pet parents prefer to purchase pets from a breeder, so it has partnered with select breeders through which you can finance your purchase.

We offer pet loans for pet supplies and many different animals such as dogs, puppies, cats, snakes, exotic birds and parrots, marine life animals and many more.

Can weight loss surgery be financed?

Yes, of course, you can finance weight loss surgery. To find out if you prequalify for weight loss surgery financing, you can apply at LendingUSA. Through LendingUSA, you can qualify for up to $47,500 to fund your gastric bypass, sleeve, band, or any other weight-loss surgical procedure. Prequalifying is easy on the LendingUSA website. Within a few minutes, you can find out how much you could qualify for and at what interest rates.

First, simply go to the LendingUSA website and 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 weight loss surgery 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 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.

Can you get weight loss surgery without insurance?

If you do not have health insurance, you can still get weight loss surgery to help improve your health and your overall quality of life. One of the most common ways to acquire the funds to get weight loss surgery is through a personal loan, also known as a medical loan. A medical loan can allow you to pay for all or most of your upfront surgery costs, while giving you the ability to pay for it over time by making monthly payments. Depending on the interest rate, a medical loan can still save hundreds or even thousands of dollars compared to using a credit card for financing.

Even if you have insurance, some insurance companies will not cover the costs of weight loss surgery. Again, by using a medical loan, you can bypass your insurance company and pay off the cost of your surgery with monthly payments. You and the lender will agree upon the interest rate and the length of the loan repayment period. Those two factors, along with the loan amount, can determine what kind of monthly payments you will need to make and for how long. Make sure you choose a loan repayment period that provides you with monthly payments that you can afford. You will want to avoid additional fees and penalties that can incur if you start making late payments. Be sure you are financially prepared to take on the amount needed for the weight loss surgery in the form of a loan. Any late payments and/or default on the loan can have a negative impact on your credit score.

How can I get weight loss surgery with bad credit?

Securing weight loss surgery 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.

What credit score do you need to finance weight loss surgery?

Most lenders will have a minimum credit score requirement. If you have a low credit score, you may want to see if the lender can disclose the minimum credit score requirement before applying. Just because you meet a credit score requirement does not mean you are guaranteed to qualify for a loan. Most lenders will consider other factors in addition to credit score. These factors can include debt-to-income ratio and annual income. At LendingUSA, even patients with credit scores under 600 can be approved. Visit LendingUSA’s website to see if we can provide you the weight loss surgery financing that you need.

What procedures can you get with weight loss surgery financing?

Weight loss surgery financing covers gastric bypass surgery, gastric sleeve surgery, as well as gastric banding procedures. You can use weight loss surgery financing to cover just about any procedure recommended by your doctor.

What are the pros and cons of weight loss surgery financing?

There are plenty of pros and cons to seeking financing for your weight loss procedure. Pros include a rapid depositing of funds into your account, while cons include the possibility of late fees and penalties if you start to fall behind on your loan payments.

Here is a quick summary of the pros and cons of weight loss surgery financing:


  • The process to be pre-approved and to apply for the loan can be quick and easy.

  • Once the loan is approved, you could see funding in as little as one business day.

  • You may lock in a much lower interest rate than your credit cards can offer.


  • Finance charges may need to be paid in exchange for securing the funds upfront.

  • Opening a new line of credit may impact your credit score and affect securing financing for other purposes.

Like everything else in life, there are always pros and cons for any given situation. You must weigh those pros and cons and complete a cost-benefit analysis of your situation to determine if financing is the best option available to you.


Getting the weight loss surgery you need can help you enjoy a long and healthy life. Money should not hold you back from getting the medical treatment you need. At LendingUSA, we are committed to helping patients get the financing they need to afford medical treatments such as weight loss surgery.

Get pre-qualified for weight loss surgery financing with no impact on your credit score!

None of the information in this article is to be construed as medical advice, please consult with a healthcare professional regarding any medical diagnosis or treatment options.

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