A medical procedure paid with loans.

Medical Loans For Bad Credit

We can help you get credit for more than gear. If you need medical loans for bad credit, we may be able to help you get a loan offer for up to $50,000. It takes just a few minutes to get a decision, so why not get started?

First, how much do you need to pay for medical bills?

A doctor performing medical work.

Cash Loans For Medical Expenses

Is a cash loan the right way to pay for medical expenses? If you have poor to bad credit, it might be the answer that you have been looking for. Take a look at some of the advantages of online lending and decide for yourself.

Easier Approval

If you have bad credit, we do not have to tell you that getting financing is difficult. Applying for an online loan may make it easier to get the approval that you have been looking for. In our lender group there are dozens of private lenders and many of them even specialize in working with bad credit. If you have already heard no, you may be able to get a yes with a private online lender.

Qualify For Cash Discounts

If approved for medical loans for bad credit, your lender will deposit cash directly into your bank account. That will make you a cash buyer and, believe it or not, many doctor offices will offer discounts for clients paying in cash. This is because by paying in cash, you eliminate their need to go through the tedious process of billing insurance.

Convenient Quote Process

Everything online is easier and online lending is no exception to this rule. It takes just a few minutes to fill out your quote form and then you will get a decision fast. If you need money for medical bills, time is probably an issue so speed counts.

Quick Loan Funding

Loans can fund as quickly as the next business day. Time is an issue, so why wait longer?

Get Your Medical Financing

Obviously there are a number of advantages to getting a loan online, especially if you have poor credit. Now, why not have a look at how to get your financing offer.

Enter Your Details

First things first, you need to tell the lenders about yourself and what you need. Enter in how much money you need to borrow and then some details about yourself. A valid checking account and routing number will also be needed so that your lender will know where to send you money.

Get Your Loan Offer

If approved for medical financing, one lender from the group will make you a cash offer. To see this offer, you will need to be redirected to the lender website. This is because all loan details are between you and your lender. We are never privy to this kind of information.

Make A Decision

With all of the loan details in front of you, you can make a decision. If you like the offer, accept it and you can have your money as soon as the next banking business day. If you do not like the offer, just walk away.

Keep in mind that while you probably need the loan, not all loan offers are good ones. Make sure that the cost of financing is not too high and that you can afford to make the payment or payments.

Pay For Your Expenses

Should you decide to accept your loan, you will have money in your account quickly so that you can pay for your medical bills.

What Kind Of Medical Expenses Can You Pay For?

Your loan will be a cash loan, meaning that you can use your money however you like. Here are some possibilities.

Routine Medical Care

Standard medical care, sick visits, etc.


Scheduled surgeries and procedures.

Dental Work

Dental procedures such as root canals or cosmetic work.


Contacts, glasses or laser surgery.

Plastic Surgery

Some nips and tucks.

Cosmetic Procedures

Minor cosmetic procedures such as permanent makeup or cool sculpting.

Tips For Paying For Medical Care

Before you spend the cash from your medical loans, here are some tips to make the most of your money.

Negotiate A Cash Price

Not all doctor offices will immediately offer up a cash discount, but they are out there. Before you blindly pay that bill, call the medical facility and ask about cash prices. Not having to deal with insurance companies can actually save doctors offices money in paperwork. In addition, you are likely being charged a higher rate for procedures because you do not have a negotiated price like insurance carriers have. It never hurts to ask for a discount.

Shop Your Services Around

If you have the time to wait, contact several medical facilities for prices. Rates can vary substantially from office to office so look for a good price. Of course, this good price should not come at the expense of the quality of work, so look at reviews as well.

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