Financing Options for Medical Expenses

Get peace of mind with a medical loan.

Need help managing a major medical issue?

Life can throw a lot of unexpected expenses your way, especially if you’re managing a major medical issue. Even if you have health insurance and some savings, you may not be able to afford the full cost of an unexpected procedure. A personal medical loan though Reprise can offer quick access to funds, providing you with needed peace of mind.

With Reprise, you can apply online from the comfort of your home and have funds as soon as the next day once your loan is approved. Funds can be used to pay for hospital bills, doctors fees, prescriptions or any other medical expenses.

What can medical financing be used for?

Medical financing can be used for a wide range of medical procedures, including both elective and non-elective surgeries, as well as cosmetic operations. Here are some of the services you can use medical financing for:

Cosmetic procedures
Dental procedures
Medical treatments
Weight loss surgeries
Emergency medical procedures
Long-term treatments
Dermatology
Optometry
Laser surgery

Get Started

What are medical loans?

A medical loan is a personal loan used exclusively to pay for medical care. With these loans, you’ll repay the amount you borrowed and interest with fixed, predictable monthly payments.

Can I get a loan to pay my medical bills?

Yes, you can take out a personal loan specific to medical expenses. Online lenders will look at the total picture of a person’s application to find a product that works best for each application.

What is the best way to finance medical expenses?

An online lender may be your best option if you urgently need money to pay for a medical procedure. Many of these lenders allow you to fill out an application within just a few minutes and can often offer same-day approval.

Loan Offers in Seconds

View your offers in a few seconds without affecting your credit score.

Flexible Options

We have the customized options to meet your needs and your payment preferences.

Fast Access to Your Loan

Funds can be available in your checking or savings account the next business day after approval.¹

Apply today & have your money as soon as tomorrow.¹

Easy, online application
Fixed rates & clear terms
No pre-payment penalties
Fast & easy access to funds

What credit score is needed for medical financing?

Borrowers with a range of credit scores may be eligible for financing. Online lenders will look at the total picture of a person’s application to find a product that works best for each application.

Can I obtain a medical loan with bad credit?

Even if you have limited credit history, you still may be able to obtain a personal loan for medical care. Reprise works with individuals with all credit profiles to find the correct solution.

How do I qualify for medical financing?

In order to qualify for a personal loan for medical expenses, you should be able to provide your credit and financial history, proof of income, social security number, address and bank statements. Some lenders may also require a co-signer or sufficient collateral in the case of a secured loan.

Tips to reduce your medical-related expenses

Negotiate medical bills

Negotiating a discount on your medical bills may be easier than you think. Many doctor’s office billing departments are used to negotiating the price of services. If you’re unable to afford a service, contacting the office directly may pave the way to offering you a discount and significantly lower price than you were originally quoted.

Payment plan options

Many medical providers offer payment plans that allow you to pay for the medical service in installments, which can be a low-interest, low-fee option for some patients.

How do I get a loan for medical bills?

If you have significant medical bills, you should evaluate your options first. Once you’ve decided to take out a personal loan to pay for the medical expenses, you can begin submitting your documents and application. Through Reprise Financial, you can apply online from the comfort of your own home, and the funds are available as soon as the next business day after approval. To receive your funds as quickly as possible, be prepared to provide proof of income, financial history, bank statements, and any statements from your current creditors. If you’re offering a co-signer, you should also be ready to provide their personal and financial information to the lender.

Are medical expense loans worth it?

Loans for medical expenses can provide a fast and easy way to pay the costs of a procedure or service upfront, providing valuable peace of mind as you keep your health a priority. However, before taking out a medical expense loan, it’s essential to review all your options, including negotiating the cost of service with the hospital’s billing department and exploring payment plans offered by your medical provider.

When you are ready to take control of your finances, there’s Reprise.

Through Reprise Financial, getting back your financial freedom is as easy as 1‑2‑3.

Apply today

You can be pre-approved in minutes

Get your funds

Get your fundsas early as tomorrow¹

Cash in your pocket

Use it for the thingsyou need or want

We are Trustpilot Certified

Real Life Solutions

Credit Card Refinancing

Debt Consolidation

Emergencies

Major Purchases

Medical & Dental

Moving Expenses

Special Occasions

Unexpected Expenses

Vacation & Travel

Our Trusted Partners

Personal Loan Possibilities

Here’s the good news…

We have options to fit your needs

Reprise Resources

Check out our Resources page for up-to-date financial tips and information.

Credit Score

Five simple steps to improve your credit score no matter where it falls on the credit report.

Loan Options

Learn the different benefits between credit cards versus installment/personal loans.

Retirement Savings

The answers to the most frequently asked retirement savings questions.

Real Reviews from Real Customers

I want to thank Carmen. She was very professional and demonstrated the highest traditions and standards of customer service. If you have all the documents needed for the loan it is quick and easy.

- Charley W.

Marialena is a superstar! Patient, courteous, thoughtful and understanding! She made my experience so much better! Thank you also to Fabian who treated me professionally in every way!

- Lawrence C.

Very smooth process! Was much easier than I ever expected. The representative that called was very professional, patient with my questions, and knowledgeable.

- Susan H.

Eyvette made the process seamless and easy. She went over the terms and allowed me to ask questions. I was happy that I was able to get the money I needed!

- Tina B.

Anthony was extremely helpful during the loan process. He went out his way several times to make sure things were okay. He explained everything so clearly and I greatly appreciate it.

- Latisha S.

The process was smooth and very easy to do. After seeing my approval odds, I applied, uploaded my documents and was approved for an unsecured loan. I can now consolidate all my loans and credit cards for one easy and affordable payment. The funds were deposited within 24 hours of getting approved.

- Vanessa B.

Experienced staff! Helpful, friendly, and knowledgeable! Fast process, definitely recommend!!!

- Kristie W.

From start to finish this was a great experience. The folks that helped me were Carlos, Mark, Sequoia and Robyn. Robyn brought everything together and got the loan processed. If I could give her 10 stars I would. Great experience from start to finish. Thanks everyone!

- Lamar B.

Sequoia demonstrated the utmost professionalism and courtesy. She was insightful and determined to get me the best rates she could. I would highly recommend her to anyone wanting to work with Reprise Financial.

- Andrew S.

I had the pleasure of working with team members Eric, Vianca, Marianela, & Stephanie. I was overwhelmed with how professional, helpful, patient, and just overall wonderful these team members were. They helped me get my correct information uploaded and worked with me on what was best for my unique situation.

- Jessica H.

I am impressed how everyone at Reprise handled my loan. They were very professional and knew every detail of my loan no matter who I spoke to, and they were very patient. Thank you guys for everything you have done.

- Larry S.