Medical Expense Loans

Personal loans can be an option when facing medical expenses.

Get a flexible loan amount and choose your own pay-back terms with a personal loan.

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Checking your loan options does not affect your credit score.

Medical Expense Loan Options

Taking out an unsecured loan to pay for medical expenses can provide a low-cost alternative to running up your credit card balances to pay for medical expenses.

Although Americans are legally required to have health insurance, CBS news reports that a survey conducted by Transamerica found that people between the ages of 18 and 34 represented 44 percent of uninsured Americans as of July 2014. If you have health insurance, the reality is that deductibles, co-payments and charges disallowed by your health insurance company can quickly add up. The Consumer Financial Protection Bureau reported in December 2014 that 43 million U.S. consumers have past due medical debt in their credit reports. A personal loan or medical loan can help you pay off medical expenses not covered by insurance, and may also prevent additional problems when medical bills are sent to collection agencies for non-payment.

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Our customers love how easy our process is and the valuable time they can save by using our service. Our lenders and lending partners are ready to provide the funds you need for your medical expenses.

Good job CreditLief. I don’t like to leave comments or testimonials on sites but in this case, I feel like I needed to. I will be returning here if I need to borrow again.

Mary E.
Downey, CA

Reasons you may need medical financing.


  • Dental or orthodontics
  • Weight loss surgery
  • Infertility treatment
  • Cosmetic surgery
  • Chiropractic treatment
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Unsecured Loans for Medical Costs

Unsecured personal loan: Taking out an unsecured personal loan to pay for medical expenses can provide a low-cost alternative to running up your credit card balances to pay for medical expenses. Ask your financial institution or shop online for a personal loan. Unlike a home equity loan or line of credit, a personal medical loan is not secured by your home and you won’t risk foreclosure if you can’t repay on time.

In-house financing/medical credit: Some care providers may offer in-house financing but these options can carry very high-interest rates and fees. When you’re ill or hurt is not the best time to make financial decisions, so don’t be pressured into accepting financing without an opportunity to shop and compare costs for personal/medical loans.

Different Types of Personal Loans

Check out different types of personal loans to find the one that best meets your needs for paying medical debt. Once you’ve chosen a type of financing, compare rates, terms, and costs. Compare the annual percentage rate or APR for each medical loan you’re considering; the APR includes the interest rate, costs, and fees expressed as an annual percentage of the loan amount.

When you review loan quotes for personal/medical loans, make note of questions and concerns for each quote. Contact the lenders and ask for clarification or more information if needed. Before selecting a lender, make sure that your questions have been answered fully and to your satisfaction.

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