Compare Medical Loan Companies 2024

Best Overall Choice:

1

our #1 pick

AmOne

AmOne

AmOne

Great for Excellent Credit
• Max Loan: $50,000
• APR: 4.60% - 35.99%
• Loan Term: 24-84 months

Low Rates for Excellent Credit
• Max Loan: $50,000
• APR: 4.60% - 35.99%
• Loan Term: 24-84 months

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Over 891 people chose AmOne today

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AmOne Highlights

• Click "GET MY RATE" to find your unique personal loan rate on AmOne's secure site


• Instantly Matched to Appropriate Solutions


• Highly Rated Providers Identified & Offered

• Offered Nationwide Since 1999


• U.S. Based Live Support


• Easy & Efficient Process Saves Time

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Best Medical Loans

Although it’s hard to go wrong with any of the top-rated medical loan companies on this page, here are the top two choices:

Using a Loan to Pay for Medical Expenses/Surgery

Personal loans, often called “unsecured personal loans,” are loans that are issued to individuals based on their creditworthiness. One of the best things about personal loans is that there is no collateral involved. You don’t have to use your house, car, or any other asset to receive a personal loan.

“Medical loans” or “surgery loans” are still considered personal loans. Using a loan to finance a surgical procedure, or to pay for outstanding medical expenses is a much smarter idea than paying for those expenses with a credit card.

The interest rates on credit cards are much higher than for personal loans (often my 30%), so it’s always wiser to borrow money at a cheaper rate with a personal loan. The typical personal loan APR goes as low as 4.99%, which is almost impossible to find on a credit card.

We spent 500+ hours searching for the best personal loans of 2019, because not all personal loans are made equal. Many shady online lenders have high variable rates and lots of hidden fees. None of the lenders on this page have hidden fees, and all are highly rated and respected.

What Medical Costs Are Eligible for a Loan?

You can pay for all medical procedures and costs with a personal loan! Some of the most popular uses include:

• Surgery and cosmetic procedures
• Outstanding medical bills
• Emergency medical expenses
• Consolidating medical debt
• IVF (in vitro fertilization)

According to research by Finder, roughly 83.5 million Americans have personal loans. Getting a loan is not unusual! In many cases, it’s actually really smart, because the APR for loans is significantly lower than any other form of borrowing.

Medical Loan Myths

One of the most common misconceptions about medical loans is that they somehow negatively effect your credit score.

This is not true. There’s no impact on your personal credit score to see if you qualify for a loan. And once you receive your loan funds, and you begin to make timely monthly repayments, your credit score can actually improve. The only way a loan can harm your credit score is if you fail to make your payments.