Medical Loans
Get the care you need with a medical loan
Pay for medical or dental expenses with a personal loan up to $35,000.
Check Your Rate Won't impact your credit
Cover all kinds of medical-related expenses
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Unexpected expenses
Uncovered medical procedures or accidents, and emergencies.
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Cosmetic procedures
Consider a loan for implants, fillers, and other treatments your insurance doesn't quite cover.
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Fertility treatments
Fertility treatments are costly. Plan for your family's future by avoiding high-interest debt.
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Braces and orthodontia
Get that smile that's worth a million bucks, without breaking the bank.
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LASIK
Get rid of your glasses without having to squint painfully at the bill.
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Additional costs
Don't skip routine care, tests, medications, or anything else because it's not fully covered by insurance.
Estimate monthly payments for a medical loan
We understand managing medical bills can be stressful, so let us help
80%
of respondents with existing medical debt say they have postponed medical care because of the cost.
53%
of respondents with existing medical expenses, say the pandemic caused them to take on new medical debt.
63%
of respondents report that they are anxious about paying for medical debt.
ABOUT SURVEY A national survey of 1,515 U.S. residents ages 18 and up was commissioned by Discover and conducted by Dynata (formerly Research Now/SSI), an independent survey research firm, between September 23 and September 27, 2021. The maximum margin of sampling error was +/-3 percentage points with a 95 percent level of confidence. Generations are defined as: Generation Z, born after 1997; millennials, born between 1981 and 1996; Generation X, born between 1965 and 1980; and Baby Boomers+, born before 1964.
Frequently asked medical loan questions
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A personal loan has many different uses. Because funds can be deposited directly into any of your bank accounts, you can use a personal loan your way. Personal loans are often used for debt consolidation, so you may be able to pay down your debt at a fixed rate. A personal loan can also help finance a large purchase, like a wedding, a vacation or a home remodel. If you're facing an unexpected expense or a financial emergency you can get the funds you need with a personal loan. You can also use a personal loan to cover medical bills, adoption or IVF, auto repairs, and more.
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Yes, a personal loan can help cover medical bills that your insurance may not. Families may face expenses that some insurance plans may cover, like braces or extensive dental work. A personal loan can also help finance corrective or cosmetic surgeries that may not be covered by insurance.
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Money can be sent as soon as the next business day once you’re approved and accept the loan, provided:
- The application submitted has no typos or errors
- The loan is funded on a weekday night
- The funds are disbursed electronically to your checking or savings account only
If there are errors on your application, the loan is funded on a weekend, or you request funds be delivered by check, disbursement of your personal loan funds can take longer.