review October 2018 | medical loans review

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Is your procedure not covered by insurance? This provider could help with a loan for medical expenses.

Lack of insurance or high deductibles shouldn’t stop you from seeking out necessary medical procedures. is just one online service offering unsecured financing designed to help cover doctor visits, elective surgery and other procedures your insurance won’t. Loans start $1,000, but not all states are eligible. And rates can be higher than a traditional personal loan.
Product Medical Loans
Min Loan Amount$1,000
Max. Loan Amount$35,000
Interest Rate TypeFixed
Minimum Loan Term3 years
Maximum Loan Term5 years
RequirementsYou must be at least 18 years old and have a credit score of at least 620.
  • You must be at least 18 years old.
  • You must have a credit score of at least 620.

What is is a subsidiary of online lender LendingUSA. It offers unsecured loans from $1,000 to $35,000 for nearly any type of medical procedure or expense. Terms range from 3 years to 5 years, and interest rates generally fall within 10.98%—30%.

What makes unique? is a simple website designed to get you the money you need to fund your medical expenses. While you won’t necessarily find all of the information you need to make a decision on its site, its application is straightforward.

And unlike many other lenders that try to sell you add-ons, keeps it simple, so that you can get moving quickly on paying for what you need.

What are the benefits of using

  • Small loan amounts. With loans that start at $1,000, you might not have to borrow more than you need with this service.
  • Low late fees. extends a 15-day grace period before charging a $10 fee on late payments, allowing some breathing room for tight budgets.
  • No prepayment penalty. Save on unnecessary interest by paying off your loan before the term.

What to watch out for

  • Few online reviews. If you’re looking for a highly rated and reviewed service, you may want to look elsewhere. The few reviews you’ll find are from many years ago.
  • Scant online info. Its website is simple and easy to navigate, but it’s hard to get the information you need to know before you apply.
  • No specialized support. The customer service line listed on its website is for LendingUSA, not

Compare more loan providers to finance medical expenses

Rates last updated October 23rd, 2018

Reveal your potential loan offers and rates

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Unfortunately, none of the personal loan providers offer loans for that credit score. If you are in urgent need of a small loan, you might want to consider a short term loan.
Name Product Product Description Min. Credit Score Max. Loan Amount APR
Credible Personal Loans
Get personalized rates in minutes and then choose a loan offer from several top online lenders.
Good to excellent credit
4.99%–36% (fixed)
Upgrade Personal Loans*
Affordable loans with two simple repayment terms and no prepayment penalties.
6.99% to 35.97% (fixed)
Monevo Personal Loans
Quickly compare multiple online lenders with competitive rates depending on your credit score.
3.09%–35.99% (fixed)
Marcus by Goldman Sachs Personal Loans
Consolidate your debt or pay off large expenses with competitive rates and no fees.
Good to excellent credit
6.99% to 24.99% (fixed)
Even Financial Personal Loans
Get connected to competitive loan offers instantly from top online consumer lenders.
4.99%–35.99% (fixed)
LendingClub Personal Loan
A peer-to-peer lender offering fair rates based on your credit score.
6.16% to 35.89% (fixed)
Conveniently check your loan options without affecting your credit score.
9.95%–35.99% (fixed)
SoFi Personal Loan Fixed Rate (with Autopay)
No fees. Multiple member perks such as community events and career coaching.
6.99% to 14.87% (fixed)
OneMain Financial Personal and Auto Loans
An established online and in-store lender with quick turnaround times. Poor credit is OK.
16.05%–35.99%* (fixed)
NetCredit Personal Loan
Check eligibility in minutes and get a personalized quote without affecting your credit score.
34%–155% (Varies by state) (fixed)
CashUSA Installment Loans
A connection service for quick cash loans up to $10,000.
Bad credit OK
5.99%–35.99% (fixed)

Compare up to 4 providers

What does the Internet say about

We weren’t able to find much online about It isn’t accredited by the Better Business Bureau, though it earns an A+ rating from the BBB based on internal criteria like transparency and time in business. Curiously, its BBB page doesn’t include reviews or customer complaints, and you won’t find reviews on its Trustpilot page either.

Older reviews claim that is actually a broker or connecting service, not a direct lender. But if that was the case in the past, it doesn’t appear to be so today. Then, it could be related to other news you’ll find online.

In 2014, was one of four companies to settle predatory medical loan charges brought forth by the New York State Attorney’s Office. The companies agreed to scale back their interest rates from more than 50% to a more reasonable 16% or lower. It also contributed to the $230,000 paid out to more than 300 New York consumers affected by the charges.

In short, take caution before signing on for a loan with Carefully read the terms and conditions of your loan, and ask about anything that isn’t immediately clear.

Am I eligible?

To apply for a loan with

  • You must be at least 18 years old.
  • You must have a credit score of at least 620. is not available in:

  • Connecticut
  • New Hampshire
  • New York
  • Vermont
  • West Virginia

How do I apply?

You’ll provide basic personal and financial information to complete’s short application:

  1. Go to and click Check My Rate.
  2. Enter your preferred loan amount and personal information that includes your Social Security number.
  3. Provide your home phone number, your mobile number and your email address.
  4. Enter your gross monthly income, provide details about one personal reference and your employment status.
  5. Select the type of service you’re seeking, and enter your provider’s name and phone number.
  6. Review your application and agree to the terms of use to sign and submit your application.

It may take a few minutes for your application to fully process.

What happens after I get my loan?

After you receive your loan funds, you can use them to finance any medical expense or bill, even if it’s in collections.

Then it’s time to plan for repayments. How much you owe each month depends on your APR, your loan term and how much you borrow. If you’re late making a payment, you have a 15-day grace period before charges a $10 late fee.

Bottom line

A medical loan can mean the difference between getting the medical attention you need and going without. can help with loans as small as $1,000, but it may not offer the most competitive rates or fees.

Before signing a contract, learn more about your options in our guide to medical loans to find the strongest rates and terms you’re eligible for.

Frequently asked questions

Kellye Guinan

Kellye Guinan is a writer and editor with and has years of experience in academic writing and research. Between her passion for books and her love of language, she works on creating stories and volunteering her time on worthy causes. She lives in the woods and likes to find new bug friends in between reading just a little too much nonfiction.

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