About medical bill loans
Healthcare costs can arrive at the worst possible moment, even when you have insurance. Deductibles, co-pays, dental procedures and prescriptions add up quickly, and providers often want payment in full within weeks.
A medical bill loan turns one large bill into smaller, fixed monthly payments. Always ask your provider about payment plans or financial assistance first — if you still need extra help, our loans can fill the gap.
Common ways people use this loan
- Dental work and orthodontics
- Vision care, glasses and contact lenses
- Insurance deductibles and co-pays
- Prescriptions and therapy
- Veterinary emergencies for pets
How much might you need?
| Typical situation | Illustrative amount |
|---|---|
| Prescriptions or co-pays | $200 – $600 |
| Dental or vision treatment | $600 – $2,500 |
| Deductibles and procedures | $2,500 – $5,000 |
Amounts are illustrative. Your actual offer depends on your state, income and credit profile.
Tips before you borrow
- Request an itemised bill and check it for errors.
- Ask the provider for an interest-free payment plan before borrowing.
- Check whether you qualify for hospital financial assistance.
- Use HSA or FSA funds first if you have them.
Borrow responsibly. Representative example: a $1,000 loan repaid over 12 monthly payments at 24.99% APR would have a monthly payment of about $95.04 and a total repayment of about $1,140.47. Only borrow what you can comfortably repay.
Frequently asked questions
Do you pay my provider directly?
Funds are sent to your bank account so you can pay your provider, pharmacy or clinic however they require.
Can I borrow for pet emergencies?
Yes. The loan is for personal use, including veterinary bills.
Will you check my medical history?
No. We never ask for medical records — only the financial information needed to assess your application.