medical loans

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medical loans

Personal loans for Medical Financing

Get a medical financing by shopping unsecured loans, also called personal loans or signature loans. Borrow money without putting up any collateral. LendingTree personal loan offers allow you to shop for the best rates and terms for personal loans up to $35,000.

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.

Medical loan: find your best option

Unsecured personal loan: Taking out an unsecured personal loan for paying 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.

Personal line of credit: If you’re planning a series of medical procedures, a personal line of credit can help you budget and control medical costs. You can draw funds against a personal credit line as needed and will only pay interest on funds you’ve withdrawn. Pay attention to interest rates and fees charged for accessing your credit line. A personal credit line has to be repaid within a specific period; otherwise additional fees can accrue for renewing or replacing your line of credit.

Reasons you may need medical financing

  • Dental loans, veneers, or orthodonitics
  • Adoption loans, helping to cover adoption expenses
  • Cosmetic surgery loans
  • Infertility treatment, invitro fertilization
  • Hair loss replacement, hair restoration
  • Weight loss surgeries, like gastric bypass or bariatric procedures
  • 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.

  • Know the difference between personal loans and payday advances: Personal loans are widely available through mainstream financial institutions such as banks and credit unions. Payday loans are designed to provide funds for a few days or weeks and are very costly due to higher risk of not being repaid on time. If you can’t obtain a personal loan, ask your medical care provider about a repayment plan. Although you may pay late fees, this option is likely cheaper than borrowing a payday loan to cover medical expenses.
  • Always make payments on your medical loan on time. FICO reports that 35 percent of your credit scores are based on your payment history.

    Good Credit, Poor Credit, No Credit, No Problem!

    easymedicalloan.com is created to provide consumers with easy and convenient options to pay for medical expenses. We have financing programs for cosmetic, bariatric, IVF and dental surgery. We can even finance your pet's medical treatment. We make medical financing simple!

    Do you have patients that don't qualify with your lenders that you offer? We can finance your patients even if they have less than perfect credit. Our loan programs will help you and your patients so they can get the treatments that they need.

    Every day, people are finding low-rate medical financing available on Carpe.com, your trusted online loan advisor. We search and compare options to find you the best partner rates and the fastest offer for your medical loan or surgery loan. Start shopping for your medical financing solution now!

    We search for the best medical or surgical loan so you don't have to. Our pre-screened Lender Partners provide low rates for personal loans for your medical needs. Get started with your 60-second matching questionnaire below!

    Simplify your search for medical loans.

    Carpe Medical Loan Match is optimized for

    • Approval
    • Partner Rates
    • Service

    The next step to getting the treatment you need begins today!

    Browse our Medical Loan Partners here. Or call 844-346-3305 NOW for your FREE credit report and credit repair consultation from our partner. Improve your credit and re-apply for lower rates!

    Ask us anything.

    Medical Financing for All Types of Surgeries and Procedures

    Carpe partners with convenient lenders with expertise in financing cosmetic, bariatric or dental surgery.

    Finding the right medical loan, hospital loan or surgery loan is a crucial part of your journey to financial success, and we want to help. We get that you need a trusted advisor to search available lenders and find you an unsecured personal loan to cover your doctor or dentist costs – and we get that you can’t wait around or risk getting rejected by traditional big banks. Carpe Match allows you to take a quick 60-second questionnaire, and then delivers the lowest-cost solution to help you meet your medical or dental financing needs. Try it for yourself above, risk-free, or see some more of our tips for financing your operation below.

    Will I Be Able To Get A Good Medical Loan?

    Medical loans are mostly available to patients with medium to good credit histories and credentials. We work with lenders and online personal loan programs for cosmetic, emergency, fertility, IVR, bariatric, dental, tummy tucks, gastric bypass, eye surgery, hair restoration, liposuction, breast implants and more. You may not need surgery credit or hospital financing immediately but with our low interest rates, it might be smarter to keep some funds liquid in case of a rainy day, or other medical procedures that may be needed in the future.

    Loans for Voluntary Medical Procedures

    Many times, patients put off receiving medical surgery they need or want because of financial issues. Similarly, many people frequently dream about having cosmetic plastic surgery done on their body – but they won’t go ahead without a medical surgery loan or cosmetic surgery loan.

    Carpe can help you find the loan you need, provided you have enough credit history to allow you to qualify for personal loans from banks, online lenders, peer-to-peer lenders or marketplace lenders. Medical debt packages from lenders are generally most competitive for patients with fair or decent credit scores.

    Medical loans cover medical procedures such as tummy tucks, gastric bypass, eye surgery, hair restoration, liposuction, brain surgery, cancer treatments, fertility doctors, breast implants and much more. Since these procedures can cost thousands of dollars, lenders will specifically work with patients for specific diagnostics, procedures and post-operative expenses.

    It was not that long ago that devoting money to medical and health costs was unusual. Today, it is very standard and conventional to get surgery loans and surgery financing to support pay for medical procedures such as cosmetic elective surgery or emergency needs (including dental). Costs are a vital part of surgery and when it is time to pay the bill, you are not by yourself. Each week millions of surgery patients who contemplate all types of surgeries have to consider the price and costs related with the surgery at one point.

    The way we make this simple is by eliminating wasted time and lost money that may occur if you don’t know where to apply to find the best loan – or you don’t have time to apply to the dozens of available lenders who may provide the healthcare financing you need. Try Carpe Match now and see where you stand.

    Get a zero-obligation medical loan quote to finance any medical bill or other expense with an unsecured personal loan. Collateral is not required, and the APR does not change throughout the life of the loan. Additionally, you have the option of repayment plans with multiple installments to finance medical expenses.

    Medical loans are absolutely hassle free: there's no cost to apply, and the secure online application is fast and transparent. All pertinent information regarding your loan's terms (loan rates, payment schedule, etc) is presented upfront, so there's no need to worry about fine print or 'gotchas'!

    Once your medical, dental, or cosmetic surgery loan is approved, you'll have immediate access to cash (up to $10,000) as soon as tomorrow - allowing you to avoid financial stress and focus on recovery!

    Financing at American Medical Loans provides quick cash to cover all types of medical expenses.

    With the surging medical emergencies in India since last decade, having a health insurance or a dedicated saving for health check-ups, surgeries, and unforeseen operations, has become mandatory for a common man. We are sure many of you may not be even holding those backups. Because medical emergencies are ideally what we never want to think of and we never have taken any precautions to prevent them. They simply occur and we rush to the hospital (not to forget, always the best hospital in our city). What comes as a major blow is the huge bill amount that you are charged and suddenly you realize – you are short of funds! And this doesn’t end here, you still hold the list of medicines prescribed by the doctor, in your hand. You do not want to keep worrying about arranging the finances while your loved ones are hospitalized and need you the most. That is when an instant medical loan comes into role. You may also regret not going for any of those health insurance plans earlier. But you need not bother now, as medical loans are the quick solution to your cash crunch concerns. Young souls in India now consider it a smart move to apply for a medical loan than going for health insurances which even expire after a certain period of time.

    A medical loan is an unsecured personal loan for those who cannot afford to instantly pay those huge bills charged for a heart surgery, a dialysis, or even a regular full-body health check-up. Medical loans have proven to be boons in such circumstances. You can avail a medical loan depending upon the type of company you work for, your net salary, and your location.

    Innumerable medical loans are provided by non-banking finance companies (NBFCs), banks, government funds and private trusts. Qbera, a Bangalore based fintech company, provides instant medical loan. Once you apply for a medical loan, you will find that these lenders have a tie up with some of the listed hospitals. And when your application gets approved, the payment is mostly done to the hospital directly. Why not go for a medical loan when all you have to worry about, is your closed one’s health and leave the finances to the lender.

    Personal loan for medical emergencies: Benefits and Features

    Take a quick look at some of the benefits and features of medical loans:

    • Instant loan
    • Quick and easy approval
    • No collateral
    • No guarantor
    • Fast processing
    • Minimal documentation
    • Flexible repayment options
    • Qbera, if you don’t already know, avails instant personal loans to salaried and self-employed individuals in a very quick and hassle-free manner.
    • You just have to logon to Qbera.com and fill up the online application form and upload the necessary documents. And then wait? No, it will take only few hours for the approval.
    • You will be assisted at every single step after your loan application. As they have a chat feature online where you can enquire about the status and clear all your doubts regarding your medical loan.
    • With Qbera, money will be credited directly to your bank account in one day, as is not in the case of other lenders who pay directly to the hospital. Because it turns out to be inconvenient many a times.

    You are eligible for a loan from Qbera if:

    You are employed and earning a minimum of ₹20,000.

    You are between 23 and 55 years.

    Have a credit score of minimum 625.

    Documents required for loan after digital approval:

    Current Address Proof

    Permanent Address Proof (in case the permanent address is different from the address on Aadhaar card)

    4 Cheques from your Salary Account

    Interest rate range from 11.99% to 24%.

    The exact terms of the loan depend on certain factors such as your ability to pay back, history of past repayments, work experience, credit score, profession and age.

    Getting a loan via Qbera is as easy as buying a t-shirt; it’s a simple five step process:

    Log on to Qbera.com and fill in the application form (which takes just about 5 minutes)

    Provide your bank statement through NetBanking Connect or e-mail us your bank generated PDF bank statement of your salary account.

    Get an offer from Qbera within 4 hours

    A Qbera representative will come to you, at your convenience and collect the required documents.

    Once approved, the amount will be transferred to your account in less than 24 hours

    Features & Benefits of a Qbera Loan

    A loan from Qbera does not require you to put up any valuables as collateral.

    We take pride in the fact that our processing involves minimal paperwork, has flexible terms and is super quick so that you can get your loan with minimal effort.

    Flexible repayment tenure

    We know that as a customer, your repayment capacity varies. That is why we offer flexibility when it comes to repayment tenures. You can choose between 1 to 5 years to make the repayment. You can choose to complete your repayment by paying off in large sums over a short period of time or in small amounts over a longer period of time. If you think paying off in smaller amounts over a long period will be easier on your monthly expense, you will find that in the end you have paid more as you have to pay interest over a longer period. After the first year of availing the loan, you can choose to pay back the amount in full in one shot without being charged a prepayment fee.

    Once the online application has been filled up, the due documents been submitted and are approved by us, you will receive the amount in your account in just a day.

    Before you avail the loan, you will be briefed on all (if any) fines, fees and rates that you may be liable to so that you won’t be unpleasantly surprised by any hidden charges.

    We offer complete support from the moment that you decide to take a loan from us to the moment that you complete your repayment. We are available anytime between 9:30AM and 7PM IST on weekdays and between 10AM to 1PM on weekends. Our staff can be reached via whatsapp at +91 89719 28484, via Toll-Free number at 1800 4198 121 or e-mail at [email protected]

    We value your privacy and will not be sharing your confidential details with any third party.

    We make sure that your credit history is enhanced by sending regular reports to various credit bureaus.

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