Advertising Disclosure
The offers that appear on this site are from third party advertisers from which Acorn Finance receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Acorn Finance strives to present a wide array of offers, but the offers shown do not represent all financial services companies or products that may be available to you.
Healthcare Financing: Medical, Dental, and Cosmetic Loans
Compare monthly payment options from several lenders in under 2 minutes.
Our customers sayExcellent4.7 out of 5 based on 1310 reviews
Key Takeaways
Finance Healthcare with Confidence. Whether you’re planning treatment or facing an unexpected medical expense, medical financing can help make healthcare costs more manageable with predictable monthly payments.
Compare Loan Offers Without Affecting Your Credit. Check personalized loan offers from multiple lenders with a soft credit inquiry. Compare rates, loan amounts, and repayment terms to find financing that works for your budget before making a decision.
Solutions for Every Healthcare Need. From general medical care and dental treatment to cosmetic procedures and other out-of-pocket healthcare expenses, explore financing options designed to help you access the care you need when you need it.
Whether you’re facing an unexpected medical bill or planning a future procedure, financing can help make healthcare expenses more manageable. Learn about your options, compare personal loans, and explore financing for medical care, dental treatment, and cosmetic procedures.
Explore Healthcare Financing by Category
Find financing options tailored to your healthcare needs.
Healthcare financing covers a wide range of needs. Explore our guides below to learn about financing options for medical care, dental treatment, and cosmetic procedures.
Finding a great personal loan isn't just about who offers the lowest rate; it's about finding the right lender for your situation. That's why we don't just pull a list of names and call it a day. We evaluate every lender on our platform across a set of criteria that actually matter to real borrowers.
We look at who lenders actually approve
The most important signal is simple: what percentage of a lender's funded loans went to borrowers with poor or average credit? A lender who talks about serving bad-credit borrowers but funds mostly prime borrowers doesn't earn a high rating from us. We weight this dimension at 40% of the overall score because it's the clearest measure of whether a lender actually helps people in tough credit situations — not just people with good credit who happen to apply.
We look at how much lenders actually fund
Getting approved matters, but so does the loan amount. Some lenders will approve a bad-credit borrower for a small loan that barely covers the need. We track the average loan amount funded specifically to borrowers with poor credit scores. A lender that funds $10,000+ to bad-credit borrowers is doing more for those borrowers than one that funds $2,000. This dimension makes up 25% of the overall score.
We look at how active each lender is
A score based on 10 loans means something very different from a score based on 200 loans. We factor in the total number of loans a lender funds on our platform with verified credit data. This acts as a confidence weight — lenders with more volume give us more reliable data, and more funding volume means more borrowers are actually getting served. This dimension makes up 15% of the overall score.
We look at the rates borrowers actually receive
Lower rates are better for borrowers, so we score lenders on their average APR — and higher APR means a lower score. One important note: some lenders on our platform offer very low rates, but only to borrowers with excellent credit. We account for this by discounting the APR scores of lenders who fund few or no bad-credit borrowers. A low rate that's out of reach for most people reading this page shouldn't inflate a lender's rating. This dimension makes up 20% of the overall score.
How the star rating is calculated
Each lender receives a score from 0 to 10 in each dimension. Those scores are combined using the weights above into a single composite score. That composite is then converted to a 1–5 star rating in half-star increments. Lenders rated 4 stars and above are our Tier 1 picks — lenders with a proven track record of serving bad-credit borrowers on our platform. Lenders rated 2.5–3.5 stars are Tier 2 — they serve a mix of credit profiles and are worth checking, especially if your score is on the fence. Lenders rated below 2.5 stars are Tier 3 — primarily prime lenders who may still have competitive offers if your credit is good.
How often we update ratings
We update lender ratings monthly using fresh platform data. A lender's score can go up or down as their approval patterns, loan amounts, and rates change. We believe borrowers deserve rankings that reflect what's happening now — not what was true six months ago.
Acorn Finance is not making any recommendations or guaranteeing that any offer is best for your individual situation. You should always consider your own circumstances before committing to any loan offer.
The offers that appear on this site are from third party advertisers from which Acorn Finance receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Acorn Finance strives to present a wide array of offers, but the offers shown do not represent all financial services companies or products that may be available to you.
More about our picks
Reprise Financial
Reprise Financial can offer some of the more competitive starting rates among bad credit lenders on our platform. They’re a strong option if your credit is in the poor-to-average range and you want structured, predictable payments without landing at the highest end of the APR spectrum.
OneMain Financial
OneMain Financial is one of several lenders on our platform that may work with borrowers who have less-than-perfect credit. They offer both secured and unsecured loan options, which can provide additional flexibility depending on your financial situation. For those exploring lending options beyond traditional banks, OneMain may be worth considering as part of a broader comparison.
Avant
Avant is one of several lenders that may consider borrowers with limited or less-established credit histories. They offer an online application process and customer support throughout the week, along with reporting to major credit bureaus, which may help borrowers build credit with consistent, on-time payments. If your credit score is below 670, Avant could be one option to include when comparing lenders.
See how different loan amounts, rates, and terms affect your monthly payment.
HOW IT WORKS
Find the loan you're looking for
1
See your options
Take a few minutes to answer a few questions and we'll match you with the right range of lenders to consider.
2
Choose your loan
Find your favorite marketplace of offers and apply directly with the lender you prefer.
3
Do your project
If you're approved, use your funds to cover all your costs now, and pay the lender back month by month.
We’ve helped over a million customers, and we’re just getting started
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Reasonable rate for home driveway…
Reasonable rate for home driveway construction loan approved almost immediately and processed in only a few hours with loan disbursed next business day!
RA,
21 hours ago
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Very easy to get the loan and customer…
Very easy to get the loan and customer service was great!
Forrest Ballou,
1 days ago
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The prompt &swift processing
The prompt &swift processing, It was my first time applying for financing with Acorn, got approved in minutes. This timely support has really lifted the burden i had . Thank you so much.
Carol.,
3 days ago
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Great option to assist with moving costs
It was easy to apply and select terms that fit my budget
Lashaunn,
4 days ago
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Poor communication and slow loan processing
The communication was not clear: until y the end we weren’t sure if our application was considered or not. It was really confusing. Moreover, even if you must scrutinize the client’s background, your process seems slower than other loaners we met. Some Institutions process a loan within one hour! So, we were surprised to spend more than a week processing a 18k loan.
At the end, we appreciated your professionalism at the closing.
Philomene
Jean de Dieu Twizere,
4 days ago
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The process was seamless and cash was…
The process was seamless and cash was in my bank account next day
Jennifer ,
4 days ago
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Smooth
Smooth, simple, fast and easy to complete.
J Bedient,
5 days ago
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You fast service in the approval of my…
You fast service in the approval of my loan. Incredible. I can now reroof my home!
Richard Hook,
5 days ago
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Easy process
Easy process
Anonymous,
6 days ago
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Easy and straightforward
Easy and straightforward
customer,
Aug 4
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Quick
Quick, effective, and easy.
clitha mason,
Aug 3
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The easiness of applying for the loan…
The easiness of applying for the loan made the experience great.
Artrice Culpepper,
Aug 2
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The whole process was simple
The whole process was simple, quick and fast.
Joey Evartt,
Aug 2
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The application process and receiving…
The application process and receiving the funds was on time .
Randy Boley,
Jul 31
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Quick responses
Quick responses. Fast and reliable communifaction. Ease of website and process.
Kim ,
Jul 29
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Easy and Helpful
Easy process that really helped us out. Thanks!
Amanda Johnson,
Jul 28
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VERY EASY PROCESS
VERY EASY PROCESS
Jason Whitley,
Jul 28
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expedient
The process was streamline and efficient.
R Black,
Jul 27
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Quick
Quick, simple and easy.
E Jovs,
Jul 25
Rated 4.7 / 5 based on 1310 reviews.
Trustpilot
What can I do with a personal loan?
A personal loan has a number of uses, including (but not limited to):
Home improvement
Debt consolidation
Buying a car
Medical bills
Wedding costs
Startup business costs
Frequently asked questions
Still have questions?
What is healthcare financing?
Healthcare financing refers to borrowing money to help pay for medical expenses, treatments, and other healthcare costs that may not be covered by insurance or paid upfront.
What healthcare expenses can I finance?
Depending on the lender, you may be able to finance expenses such as doctor visits, hospital bills, surgeries, dental care, cosmetic procedures, prescriptions, and other qualified healthcare costs.
Can I use a personal loan for healthcare expenses?
Yes. Many borrowers use personal loans to pay for healthcare costs. Once approved, loan funds can typically be used for eligible medical and healthcare expenses.
Can I compare healthcare loan offers without affecting my credit score?
Yes. With Acorn Finance, you can check personalized loan offers from multiple lenders using a soft credit inquiry, which won't impact your credit score.
How do I choose the right healthcare financing option?
Compare factors such as interest rates, loan amounts, repayment terms, monthly payments, and fees to find the financing option that best fits your healthcare needs and budget.
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