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Feel better about paying your medical expenses.

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This won’t affect your credit score.

A personal loan can help cover health care costs like hospital bills, dental work or other medical treatments.1

Finding out you or a loved one needs a medical procedure can be incredibly stressful. Expensive medical and dental bills can make things even harder. If you need help financing planned or unplanned medical procedures — including surgery, dental work and infertility treatments (including IVF) — a personal loan could be the answer.

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 or prescription drugs might cost too much to pay for out-of-pocket. And even if you have insurance, you may owe a large deductible that could be beyond your budget.

What are the advantages of a medical loan?

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.

Why should I choose OneMain to finance my medical expenses?

At OneMain, we understand that finding the money for medical costs can be stressful. That’s why we take the time to ask questions, listen and find a personal loan that works for you. Plus, our loans feature fixed interest rates and fixed monthly payments. This way, as you recover or continue treatment, you’ll know exactly what to expect from your loan.

Take the pain out of paying for medical bills. See if you prequalify for a OneMain personal loan.

Benefits of a medical loan include:


Predictable monthlypayments


Fixed interestrate


No prepaymentfees

Get the funds you need for the care you need.See if you prequalify for a OneMain personal loan.

Check for Offers

This won’t affect your credit score.

Real stories of how OneMain customers used a personal loan for medical expenses.2

“I need to thank your company for helping me out. I have suffered some major medical setbacks in the last few years. But sometimes I had to change somethings. Your company was great. I will always try to keep our partnership. Thanks again, OneMain Financial.”2

— A. Peterson, 5/12/20

“I have been a customer for 2 plus years, OneMain has helped me more than once. First, I broke my leg and they helped get me back on track. This time I have had to have rotator cuff surgery and during my recovery time will not be able to work, so no income other than my pensions. They figured out a way to help me and keep from getting behind. I did not need the extra stress of not being able to pay bills during my recovery. Thank you Ashley and Teresa.”2

— Lois M, 3/11/20

2 These customer testimonials reflect individuals' personal experiences, so you may not have the same results

Want more info on how to prepare for medical-related costs? These might help: