Get Medical Assistance Loan Application

A medical loan is a kind of personal loan that you can use for medical expenses. They are also commonly known as healthcare loans, surgery loans, or copay loans. Typically available through banks and online platforms, medical loans are often unsecured loans, meaning you aren't required to back them up with collateral.

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Yes, you can get a loan for surgery. Medical loans are typically general-use personal loans that can be used to finance medical expenses such as surgeries and associated expenses, like the cost of a hospital stay, prescriptions, anesthesia and more.

CareCredit: CareCredit is a specialty credit card for financing health care expenses. CareCredit doesn't have a minimum credit score requirement and considers factors like income and credit history in addition to your score.

For most medical credit cards you'll need a good credit score, which is a FICO® Score of 670 or higher to have the best chance of approval. That being said, there are medical credit cards and other financing options that accept consumers with lower credit scores.

Secured credit cards will likely be the easiest cards to get for those with either poor credit or no credit. That's because they require collateral upfront in the form of a security deposit, which is typically equal to the amount of your credit line and reduces the risk to the card issuer if you fail to pay your bill.

If you are approved for a medical loan, you receive a lump sum of money to use for medical-specific costs. You then pay the loan back over a set period of time (the loan term) with fixed monthly payments. Typically, a portion of each payment goes toward the principal balance, while some goes toward interest.

The credit score you need for the CareCredit Credit Card is 640 or better. That means people with at least fair credit have a shot at getting approved for this card. Since all these criteria are taken into consideration, you might be able to get approved with a slightly lower credit score.