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Medical Loans

Take the pain out of paying for medical bills

A personal loan can help you cope with health care costs, so you can stress less and focus on getting well. Apply today for a medical loan from $1,500 - $20,000.1

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What you get with every OneMain medical loan

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Loans that work for your budget

Fixed payments and clear, upfront terms.

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Money right when you need it

Quick decision. Money as fast as 1 hour after loan closing.2

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Support from start to finish

Real people in branches, on the phone and ready to help online.

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Cover health care costs like hospital bills, dental work or other medical treatments1

Expensive medical and dental bills can make caring for yourself and your loved ones even harder. If you need help financing planned or unplanned medical procedures — including surgery, dental work and fertility treatments — a personal loan could be the answer.

See if you’re prequalified for a medical loan today.

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Checking won’t affect your credit score.

How does a medical loan work?

Medical loans are personal loans that can be used to finance medical bills. In some cases, health care emergencies, medical procedures or prescription drugs might cost too much to pay for out-of-pocket. And even if you have insurance, you may have a large deductible that could be beyond your budget.

A medical loan can help you get the money you need now and lets you repay the loan over time.

Why should I choose OneMain to finance my medical expenses?

Whether it’s an anticipated medical need or unplanned procedure, we understand that affording health care expenses is a top priority. That’s why at OneMain we take the time to ask questions, listen and help you find a personal loan that fits your needs. Plus, our loans feature a fixed interest rate and fixed monthly payments. This way, through recovery or continued treatment, you’ll know exactly what to expect from your loan.

And you’ll have access to budget-building resources, free credit score tracking and savings tools to grow your money know-how.

See how you can stretch your budget with a personal loan

Whether you need to cover car repairs, vet visits, dream getaways, or just want to breathe a little easier with debt consolidation, our personal loans are built to fit your needs.3,4

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Need more info on medical loans? You've come to the right place:

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Answers to common customer questions

Health care costs — and medical debt — can add up quickly. They can also discourage you from getting the care you need. Personal loans allow you to pay for what you need now and repay the loan over time. This can give you peace of mind to focus on what matters most: your health.

Already have medical debts that you need to take care of? A debt consolidation loan could help simplify your debt into one monthly payment.1

Here are a few things that affect your eligibility

  • Financial history / Credit history
  • Income and expenses
  • Loan purpose
  • Whether you have filed for bankruptcy
  • State of residence

Before you close your loan, OneMain will need the following documentation from you:

  • Proof of identity (such as a driver’s license, state-issued ID card, passport, or available third-party verification service)
  • Proof of residence (such as a driver’s license with current address, utility bill, or signed lease)
  • Proof of income (such as pay stubs or tax returns)

We may ask for more info based on your unique situation. Take the next step and start your loan application today

If you’re wondering “what are the easiest medical loans to get?” or maybe concerned that less than perfect credit might affect your ability to get a medical loan, you should know that we work with a wide range of customer credit scores and take your whole financial picture into account to help you find a loan that’s right for you. It’s important to note that other lenders may have different ways of considering applicants.

If you’re still unsure if you can get a personal loan for medical expenses, you can start by seeing if you’re prequalified today. Checking for offers won’t affect your credit score.

More questions? Check out more FAQs.