Financing for not so good credit

juzmejnee · May 26, 2011

Hi all,

I am wondering if anyone know where i can apply to have about half of my surgery financed. My out of pocket fee is $4000.00 and that would pretty much wipe out my savings. I was hoping to finance half of it, at least but don't have good credit. Anyone with not so good credit get approved with a finance company? And if so which one? Thanks for your help!!

MelleyMeister · May 31, 2011

try carecredit.com. its pretty easy and very fast, and you can do it all online. good luck!!

xoxoxo

Melissa

anonynurse · June 1, 2011

Care Credit is pretty strict about who they will finance now. The years of "easy" financing even with bad credit are pretty much over, and most doctor's offices now will not finance surgery for anyone. It makes sense - they are in the business of medicine, not in the business of accepting financial risk. So they take credit cards, Care Credit and a few other surgical financing companies.

I guess I would either postpone the surgery, pay for it and then get immediately back into a tight budget to replace the money or see if you can get a credit card (which will likely have a high interest rate if you can).

I work for my bariatric surgeon and we get calls like this all the time. It is very sad, but getting financing for an elective surgery with poor credit is extremely difficult now. I wish I had better news for you. :hug: You are facing a tough choice.

juzmejnee · June 1, 2011

Thank you for all the info! i did apply at carecredit and got DENIED. I knew i would. Thank goodness i have a supportive hubby. We have money set aside. And i will be using a part of that. so hopefully everything else goes smoothly. Because i really need this to happen. I wanna be around for my son who is autistic and needs me <3