Finance Your Next Medical Procedure
Whether it’s cosmetic surgery, vision correction or other medical procedures that your insurance plan doesn't cover, there are many medical financing options available to help cover the costs.

Surgeons in Operation Room

Medical procedures can be costly, especially ones that insurance plan don’t cover. Whether it’s cosmetic surgery, dental surgery or even fertility treatments, these procedures tend to run in the thousands of dollars, making them unachievable to most without the help of financing companies providing a loan. Here’s a look at five medical financing companies that work with patients to get them money for medical procedures.


care credit website


CareCredit is a unit of GE Money and give consumers financing for health care from a network of more than 140,000 providers. CareCredit was started in 1987 to help patients pay for dental implant surgeries, advances in technology and new procedures for patients that aren’t normally covered by insurance providers prompted CareCredit to expand into other areas of financing

Today, CareCredit is used mainly to cover the costs of dentistry procedures, vision correction, veterinary medicine, hearing care, cosmetic treatments and surgery. CareCredit offers no interest plans for six, 12, 18 and 24 months and extended plans for up to 60 months that carry an interest rate. The credit card can only be used for medical procedures and with medical providers within CareCredit’s network. Once you get the card, it can be used repeatedly for any family member’s health care, including pets.

chase advance health website


Offered through JPMorgan Chase, ChaseHealthAdvantage lets consumers finance a slew of procedures including orthodontics, cosmetic, vision correction, hair restoration, veterinary and chiropractic services.

ChaseHealthAdvantage offers instant credit decisions, no- interest plans for six, 12, 18 and 24 months and extended payment plans up to 48 months. Through ChaseHealthAdvantage, patients can get a revolving line of credit and don’t have to make a down payment on their loan. 

ChaseHealthAdvantage has a network of doctors, but medical providers that aren’t in the network can call ChaseHealthAdvantage to join for free.

fertility finance website 640 use this

Fertility Finance

Fertility treatments can run in the tens of thousands and dollars, making them hard for most patients to finance alone.  Many fertility doctors offer financing for treatment or a patient can apply direct online via companies like Fertility Finance. Dubbed the specialists in fertility financing, patients can apply for a loan online with Fertility Finance after paying a $25 non-refundable application fee.  Applicants are encouraged to apply for the amount that will cover the procedure and the company will either approve that amount, or fund the amount the patient qualifies for.

Once the patient gets approval, which takes about 24 hours, the funds will be given to the patient’s doctor within two business days. Fertility Finance is the exclusive partner for Shady Grove Fertility which has offices in Maryland, Virginia and Washington D.C., but most fertility doctors have their own preferred financing companies they work with.

Peer-to-peer lending sites like Prosper.com and LendingClub.com are also great options to secure financing for a procedure.

medical financing website


Used mainly for cosmetic services, MedicalFinancing.com provides loans for people that want procedure such as a tummy tuck or face lift that tend not to be covered by insurance companies.

Unlike some of the other medical financing companies, MedicalFinancing.com stays away from veterinary services.  MedicalFinancing loans start at an interest rate of 5.99% and go all the way up to 24.99% depending on the applicant’s credit score. MedicalFinancing.com also offers interest-free loans for up to 24 months. 

MedicalFinancing claims it approves patients regardless of their credit as long as they can prove they can afford the payments and can pay 25% to 50% of the procedure upfront as a down payment.  If the doctor isn’t part of MedicalFinancing’s network, the company can contact the doctor on behalf of the patient to get them to join the network.  The money goes directly to the medical provider.

Since many procedures are cheaper outside of the U.S., MedicalFinancing will also provide loans that cover travel to another country for the procedure including air fare and hotel accommodations in addition to the surgery.

my medical loan website


This medical financing company offer loans for a whole suite of medical procedures including cosmetic, bariatric and dental surgery. Loans range from $1,000 to $25,000 with interest rates starting at 9.99%. Like the other medical financing companies, MyMedicalLoan.com offers promotions such as fixed interest rates, deferred interest and fixed monthly payments. Patients with bad credit can get approved with help of a co-signer. 

Looking for a physician as well as a loan? MyMedicalLoans.com offers patients the ability to find a qualified surgeon in the patient’s area thanks to its partnership with 1800mySurgeon.com. All users need to do is fill out an online form and 1800mySurgeon will provide a list of board-certified surgeons who have been prescreened based on board records, credentials, experiences and specialties. The surgeons are monitored on an ongoing basis based on patient surveys and feedback.

Finance Your Next Medical Procedure

Whether it’s cosmetic surgery, vision correction or other medical procedures that your insurance plan doesn't cover, there are many medical financing options available to help cover the costs.

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