self-pay question

[mzjay 30]

Have any of you financed your surgery through your bank (chase, wells fargo ect..)? I am still trying to find a way to finance carecredit denied me i am crushed! I have insurance but dont meet the requirements 100%...

[tarajill 63]

Have you considered a flexible spending account? That could help cover some of the costs.

[blondegal_ 1,028]

You can try Lending Club. There is a credit check but then people decide to fund your loan or not. And you can explain your situation so say you have a low credit score because of spouse or something you can explain that.

[2012 359]

I refinanced my car with my local bank.

[KAATNS 1,473]

I think a bank would have better terms than CareCredit.

[mzjay 30]

Ok thank you for the suggestions I am trying everything I can...this really is so hard for me I have been trying to find a way but I may have to break down and save just for the surgery....totally wanted the surgery like LAST YEAR so hurt.....

[cole&matt'smom 72]

Ok thank you for the suggestions I am trying everything I can...this really is so hard for me I have been trying to find a way but I may have to break down and save just for the surgery....totally wanted the surgery like LAST YEAR so hurt.....

I work as a lender @ a local bank in my hometown. Most banks will finance medical needs based in your credit score & collateral. You will definitely get better terms & rates. I was also self pay & did mine through a 0% credit card. This offer is only good for 12 months. I have decided if I don't have it paid off before then I will do a loan through my bank:) good luck!!!

[TaraKaye 44]

Have any of you financed your surgery through your bank (chase' date=' wells fargo ect..)? I am still trying to find a way to finance carecredit denied me i am crushed! I have insurance but dont meet the requirements 100%...[/quote']

I went thru True Results the worked out a payment plan for me! I was also denied by care credit. Bank wouldn't either because I had a bankruptcy.

[mzjay 30]

I went to a few places as well as true results they only finance 5500 at my location so i would have to come up with the rest but i dont want to finance from two different lenders thats more money...i wish i could find a place that did 100% financing inhouse lol that would be too perfect...

[TaraKaye 44]

I went to a few places as well as true results they only finance 5500 at my location so i would have to come up with the rest but i dont want to finance from two different lenders thats more money...i wish i could find a place that did 100% financing inhouse lol that would be too perfect...

Do you have private insurance? I ask because the majority of us that are obese have a hiatal hernia and they can repair that the same as doing the lap band which covers the remainder???.

[mzjay 30]

How do i find out if i have the hernia?...

[TaraKaye 44]

How do i find out if i have the hernia?...

I went thru True Results and they set up the test to find it. Mine wasn't very big but enough. The procedure to find out the put you out and they put a camera down your throat. You may want to contact True Result and speak with a patient advocate. They will ask if you have heart burn. I had some but not a lot.

[tammy neves 0]

I to was turned down by care credit and it was devastating to me. I worked a part time job for 6 months to help pay down credit cards--then applied randomly online with Wells Fargo and was shocked that I was approved!! Don't give up, there is a way to make it happen! We are worth this. It's a gamble though now that I did it and read others stories about slipped bands, erosions ect I worry. My Insurance won't pay for anything related to this surgery

[mzjay 30]

What kind of loan did you apply for? Honestly since I am going selfpay i am thinking about VSG or Plication something with less follow up doctor visits

[girl55 5]

I was self pay. My insurance would not pay. I put mine on a credit card. It was a special offer with 12 to 18 months to pay without interest. It was better than going thru a bank.