Personal loan to pay for surgery.

[angie3721 1]

Any one use take a personal loan to pay for their surgery? I'm thinking about trying this so I don't blow my whole savings in one whop. Who did you use and how was the interest?

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[Myka99 42]

Wow so blessed my surgery was covered my Medicare

[KristenLe 5,979]

Have you looked into Care Credit?

https://mobile.carecredit.com/

[OutsideMatchInside 10,166]

I think a personal loan, if you have good credit would have better interest rate than Care credit. Especially if you get the loan from a credit union. A zero interest credit card with 12-24 months no interest would be a good option also if you really have good credit and can pay it off in that time frame.

Care credit doesn't have the best rep.

[angie3721 1]

Care credit has ridiculous interest rates. If I don't belong to a credit union would the consider me?

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[Wolfgirl78 266]

I financed through my credit union. The rate was really good, I don't remember what it was though because it was 4 years ago. I paid it off last month!

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[Wolfgirl78 266]

Angie do you have a bank you use, where you having checking and savings accounts? If so, I would check with them.

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[VSGButterfly404 29]

I used Lightstream (a loan company that is part of SunTrust Banks). It was all done online and I chose the terms. I got a good rate to cover everything, including traveling. They didn't really ask what it was for.

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[Donnalola 1]

Has anyone used Neighborhood Health Plan Insurance? I just slid by with. BMI of 40 and sleep apnea. I'm waiting on pins and needles until I hear back.

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[ByeByeFluff 11]

I'm using Prosper Health Care... the rate was about 15% with excellent credit which I think is steep (I plan to pay off very early to avoid as much of that as possible). The application process was fast and easy, and I received the funding within three days of applying. Hope that helps.

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[Kindle 8,667]

If you've got the savings then I say use it. I used all my savings for my surgery and put my plane tickets on a 0% credit card I paid off in two months with my tax return. This was the cheapest way to do it...no interest or fees. If other expenses came up later I could have used credit at that point, but why pay interest if you don't have to?

JFYI, that savings was earmarked for a down payment on a new truck but I have no regrets with using it for surgery. Driving my skinny butt around in my 17 year old rust bucket is totally worth it!