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Loans for medical needs

Take care of personal expenses that add up when you need prescriptions, appointments, and any other care you’d get from a doctor. Get prequalified quickly without affecting your credit score.

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Get peace of mind with a loan for medical needs

The last thing anyone wants to worry about is figuring out how to afford their health-related costs. A personal loan can help you with extra funds needed to get through a surgery, health scare, regular healthcare, medical bills, and more, so you can focus on your health.


Less stress with financing for your healthcare

Loan amounts from $300 to $10,000

For all kinds of medical needs

Get cash fast with direct deposit

Loan decisions are usually made the same day and you can receive your money through direct deposit

Choose a payment plan up front

Your payment plan won’t change during the life of the loan and there’s no penalty for paying early

Medical loan FAQs

Can you use a loan for medical bills?

Yes, you can use a personal loan to pay for upcoming procedures or outstanding medical bills. While some health insurance companies and healthcare providers offer payment plans or assistance options to help pay medical bills, you might find better rates and terms with a personal loan. Do your research or have a loved one help if you need.

You can use a personal loan to cover any personal expenses, so the loan funds can also go toward your service bills or rent if you’d benefit from some extra cash while you recover from a medical procedure.

Can loans cover the costs of emergency medical procedures?

Yes, personal loans can be used to cover the costs of unexpected or life-saving medical procedures. Where many hospitals offer financial aid through Medicare, Medicaid, or other programs, there are certain restrictions applicants may encounter to qualify for these programs. If these options don’t work for you, personal loans may be a great way to pay down debts from emergency medical procedures, with a repayment structure that does work for you. They can also be used to help cover other financial obligations while you recover from the procedure.

Can you use a medical loan for checkups and appointments?

If you don’t have health insurance or need help with the copay, a personal loan could be for you. Take out as little as $300 you will have months to pay your loan back in equal installments.

Can medical financing be used for cosmetic treatments?

Loans for medical financing could be a way to help pay for procedures like Botox, lip fillers, or Lasik treatments.  Some cosmetic treatments may qualify for medical financing, like reconstructive surgery after an accident. Also, certain laser operations for severe skin conditions such as scarring and burns may also qualify.

Can you use medical loans for prescription costs?

Yes, personal loans are flexible and can be used to cover any part of your medical experience, including your prescription medicine costs, over-the-counter expenses, and even keeping the lights on if you’re temporarily out of work due to illness.

Don’t just take our word for it

80,000 5-star reviews on Google and Trustpilot

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It was my first time applying with Oportun due to a family medical emergency and Miss Kalia was very efficient with the whole process and also very kind. Thank you!
Arquimedes Aviles
from Google
This place is a great place to Start building credit. I’ve recommended many friends. I my self have taken out a few loans with them and the Staff are always supper friendly.
Cynthia Garcia
from Google
The whole process was extremely easy and pleasant. The staff representative was very informative, helpful and compassionate. I was able to take care of the emergency that came about with Oportun!! I will recommend them to my family and friends. Happy first time customer.
Claudia Morales
from Google
A+ rating by the Better Business Bureau (BBB)
#1 savings app of 2023 by Bankrate
CDFI: Certified by U.S. Department of the Treasury

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Become even savvier with medical financing

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