Get Started

Medical Loan

Why choose Stable Fundsy for your online medical loan?

With a medical loan, you can access the funds you need for elective and emergency procedures.

Flexible loan amounts

Our model looks beyond your credit score, using your education⁴ and work experience to find you the rate you deserve.

Fixed rates and terms

Choose between personal loans in 3 or 5 year terms, with fixed rates of 7.4% - 35.99% APR.⁶

No prepayment fees

You can prepay your loan at any time with no fee or penalty.
Providing Financial Relief for Healthcare Expenses

At Stable Fundsy, we understand that medical emergencies and healthcare expenses can arise unexpectedly, often placing a financial burden on individuals and families. To ensure that you receive the necessary medical care without financial stress, we offer flexible and affordable medical loans tailored to cover a wide range of healthcare costs.

What Are Medical Loans?

Medical loans are personal loans designed specifically to help individuals and families manage medical expenses. Whether you need to cover emergency procedures, elective surgeries, prescription medications, specialist consultations, or ongoing treatments, our medical loans provide a hassle-free financing solution with low-interest rates and flexible repayment terms.

Why Choose Stable Fundsy Medical Loans?
1. Fast & Easy Application Process

We prioritize quick approvals and hassle-free applications, ensuring that you get access to funds when you need them the most. Our streamlined process allows you to apply online, receive instant approval, and access funds within a short time.

2. No Collateral Required

Unlike traditional financing options, our medical loans are unsecured, meaning you don’t need to put up assets as collateral. This allows you to focus on your health without worrying about risking your valuable assets.

3. Competitive Interest Rates & Flexible Repayment Terms

We offer some of the most affordable interest rates in the industry, with repayment terms that suit your financial situation. Whether you prefer short-term or long-term repayment options, Stable Fundsy allows you to customize a plan that aligns with your budget.

4. Covers a Wide Range of Medical Expenses

Our medical loans can be used to cover various healthcare-related costs, including but not limited to:

  • Emergency medical procedures
  • Hospitalization and surgeries
  • Cosmetic and elective procedures
  • Dental care and orthodontics
  • Fertility treatments (IVF, surrogacy, egg freezing, etc.)
  • Prescription medications
  • Medical equipment and devices
  • Specialist consultations and follow-ups
  • Rehabilitation and physical therapy
5. Support for Individuals with All Credit Types

We believe that medical care should not be limited by financial constraints. That’s why we offer financing options for individuals with excellent, fair, or even low credit scores, making it easier for more people to access medical funding.

6. Transparent Terms – No Hidden Fees

At Stable Fundsy, we operate with full transparency. There are no hidden fees, prepayment penalties, or unexpected charges. Our goal is to provide financial relief, not additional financial stress.

How to Apply for a Stable Fundsy Medical Loan

Applying for a medical loan with Stable Fundsy is quick and straightforward:

  1. Fill Out an Online Application – Provide basic personal and financial details.
  2. Select Loan Terms – Choose the loan amount and repayment period that fits your needs.
  3. Get Instant Approval – Our fast approval process ensures you receive a decision in minutes.
  4. Receive Funds Quickly – Once approved, the loan amount is disbursed directly to your account.
Take Control of Your Healthcare with Stable Fundsy

Medical expenses shouldn’t delay your access to quality healthcare. With Stable Fundsy’s affordable and flexible medical loans, you can focus on your recovery without financial worries.

Apply today and take the first step toward stress-free healthcare financing.

How to easily apply for a personal loan online in 3 steps!

Get your Rate

It takes less than 5 minutes to check your rate—and it won’t affect your credit score.

Get Approved

Most borrowers are instantly approved with no paperwork required.

Get Funds

Once approved, you could get funds sent in 24 hours or less

MEDICAL LOANS FAQ's

What is a medical loan?

 

A medical loan is a kind of personal loan that you can use for medical expenses. They are also commonly known as healthcare loans, surgery loans, or copay loans. Typically available through banks and online platforms, medical loans are often unsecured loans, meaning you aren’t required to back them up with collateral. There may be an option to secure your personal loan through Stable Fundsy with your vehicle, which will require a lien to be placed on the vehicle.

 

What can I use a medical loan for?

You can use a medical loan for any out-of-pocket medical costs that you’re unable to pay upfront. With a medical loan through us, you can use your funds for emergency hospital bills, planned medical procedures, and elective procedures.

Pro tip: If you already have loans for medical procedures, you could consolidate them into a single personal loan to help make your debt payments easier to handle.

Can I use my credit card for my medical expenses?

 
You can use credit cards to pay for medical expenses, but it may not always make the most financial sense. Because credit cards generally have higher interest rates compared to personal loans, using a credit card might cost you more in the long run.

Also, credit card payments can vary from month to month, making it hard to save money. Medical loans have fixed monthly payments, which means no surprises.

Why should I get a medical loan?

 
We understand that handling medical debt can be stressful and emotional, which is why we strive to make the process as easy as possible. With a medical loan through Upstart, you can also expect:
– No prepayment penalty
– Quick rate quote
– Predictable monthly payments
– Simple online application
– Fixed interest rates
– Direct deposit for funds