New information on self pay financing options

julieplunk · November 30, 2005

Here are names and numbers that I thought might be helpful to those of us that can't seem to get anywhere with insurance companies or those of us who don't have any insurance at all .. I hope this information can help someone who is struggling to get banded so that they can have there life back such as I am ..

Good Day to all !

Capital One

1-888-440-2375

www.cosmeticfeeplan.com

APF Advanced Patient financing

1-800-392-5189

www.APFUSA.com

Reliance Finance Corporation

1-800-322-6377

www.reliancemedicalfinance.com

The Surgery Finance Center

1-888-942-6609

www.surgeryfinancecenter.com

ReneBean · December 1, 2005

Ooooo. This one should be a sticky.

StephanieRaye · December 1, 2005

E-Financing Solutions

http://efinancing-solutions.com/

Phone: 800.728.9585

Fax: 800.730.1014

Email: info@efinancing-solutions.com

They financed me, and I have bad credit.

julieplunk · December 1, 2005

thank you Stephanie .. I have applied and I will let you know what happens .. My credit is really bad so keep your fingers crossed and say a prayer for me ..

Bandster Brad · December 10, 2005

Hi, Can anyone give me an idea of what interest rate they charged, whether or not, and how they secured the loan, and how easy or difficult they were to deal with? I am thinking about starting a company expressly for the purpose of funding lap band operations. Also, how long would they fund it, etc. (Ie, what were the repayment terms?)

Any insight you can give me could well result in creating a new, bandster-friendly funding source.

Thanks, Brad

ReneBean · December 10, 2005

Hey Brad.

I applied at Capital One - the max term of financing is 5 yrs - and the range of rates and everything was listed on their website.

what they quoted me on my approval for $15,000 5 yr loan was a payment of $313/mo. I forget the exact rate but it was something like 8.99%. Sadly, even though I "Qualify" for the loan, in real life, I can't afford the payments!

I applied online and had an answer back pretty quickly.

**Caution**

As a mortgage underwriter I have to caution you against applying for multiple loans - as the inquiries from when they pull your credit WILL affect your score. (and every lender WILL pull your credit.)

If you think that it is something you are really going to use - then by all means apply and get an answer - but if you are just checking out options and not ready to proceed, then I would say to hold off on applying.

:]