Finance Your Medical Expenses with a Personal Loan

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<div class=" spacer "></div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div id="maincontent" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div id="container-470ab0d9e0" class="cmp-container"> <div class="marquee"> <section class="dpl-marquee dpl-marquee--secondary dpl-section white--background"> <div class="dpl-section__wrapper"> <div class="dpl-marquee__sleeve"> <div class="dpl-marquee__left"> <h1 class="dpl-marquee__eyebrow"> Loans for Medical Expenses </h1> <h2 class="dpl-marquee__heading"> Cover your medical expenses with a personal loan </h2> <p class="dpl-marquee__sub-text"> Pay for medical or dental expenses with a personal loan up to <span id="MaxLoan">x</span>. </p> <a href="https://personalloans.discover.com/web/application/dplprequal/ac1" class="dpl-btn dpl-marquee__btn" data-analytics-label="MARQUEE_CTA_BTN">Check Your Rate</a> <span class="dpl-marquee__cta-line">Won't impact your credit score</span> </div> <div class="dpl-marquee__right dpl-marquee__right--secondary"> <div class="dpl-marquee__image-wrapper dpl-marquee__image-wrapper--secondary"> <img class="no-lazy" data-src="/content/dam/discover/en_us/personal-loans/images/medical/doctor-interacting-with-woman-and-child.jpg" data-srcset="/content/dam/discover/en_us/personal-loans/images/medical/doctor-interacting-with-woman-and-child.jpg" alt="Image of doctor interacting with a woman and her child"/> </div> </div> </div> </div> </section> </div> <div class="threeColumnRTB"> <div class="three-columnn-RTB options midnight-blue--background"> <div class="options__container__individual"> <div class="options__group__individual"> <div class="options__option__individual midnight-blue--background"> <input type="hidden" id="#threertblinkAnalyticsLabel0"/> <img class="options__option-image no-lazy" data-src="/content/dam/discover/en_us/personal-loans/icons/Rate-Down-White.png" data-srcset="/content/dam/discover/en_us/personal-loans/icons/Rate-Down-White.png" alt="Icon of a percentage symbol with an arrow pointing downward"/> <div><span class="options__option-head">Rates from <span id="MinAPR">x</span> to <span id="MaxAPR">x</span> APR</span></div> </div> <div class="options__option__individual white--background"> <input type="hidden" id="#threertblinkAnalyticsLabel1"/> <img class="options__option-image no-lazy" data-src="/content/dam/discover/en_us/personal-loans/icons/dark-icons/no-fee.svg" data-srcset="/content/dam/discover/en_us/personal-loans/icons/dark-icons/no-fee.svg" alt="Icon showing zero dollars"/> <div><span class="options__option-head">No fees as long as you pay on time</span></div> </div> <div class="options__option__individual light-grey--background"> <input type="hidden" id="#threertblinkAnalyticsLabel2"/> <img class="options__option-image no-lazy" data-src="/content/dam/discover/en_us/personal-loans/icons/Calendar-Annual.svg" data-srcset="/content/dam/discover/en_us/personal-loans/icons/Calendar-Annual.svg" alt="Icon of a calendar"/> <div><span class="options__option-head"><span id="MinYr">x</span>- to <span id="MaxYr">x</span>-year repayment terms</span></div> </div> </div> </div> </div> </div> <div class="loan-checklist">  <section class="dpl-loan-checklist dpl-section"> <div class="dpl-section__wrapper"> <div class="dpl-loan-checklist__sleeve"> <div class="dpl-loan-checklist__image-wrapper"> <picture class="dpl-loan-checklist__picture"> <source class="lazy" data-srcset="/content/dam/discover/en_us/personal-loans/images/medical/1x_LRG_GettyImages-1062188098.jpg" media="(min-width: 1024px)"/> <img class="dpl-loan-checklist__image lazyload" data-srcset="/content/dam/discover/en_us/personal-loans/images/medical/2x_SML_GettyImages-1062188098.jpg" alt="Image of doctor speaking with man at the doctor's office"/> </picture> </div> <div class="dpl-loan-checklist__content-wrapper"> <h2 class="dpl-loan-checklist__heading">Cover all kinds of medical-related expenses</h2> <ul class="dpl-loan-checklist__list"> <li class="dpl-loan-checklist__item"> <div class="dpl-loan-checklist__item-content"> <h3 class="dpl-loan-checklist__item-heading">Unexpected expenses</h3> <div class="dpl-loan-checklist__item-description"><p>Uncovered medical procedures or accidents, and emergencies.</p> </div> </div> </li> <li class="dpl-loan-checklist__item"> <div class="dpl-loan-checklist__item-content"> <h3 class="dpl-loan-checklist__item-heading"><p>Dental financing</p> </h3> <div class="dpl-loan-checklist__item-description"><p>Help cover the cost to keep your teeth and gums healthy.</p> </div> </div> </li> <li class="dpl-loan-checklist__item"> <div class="dpl-loan-checklist__item-content"> <h3 class="dpl-loan-checklist__item-heading"><p>Audiology testing</p> </h3> <div class="dpl-loan-checklist__item-description"><p>Test your hearing loss without losing all of the money in your wallet.</p> </div> </div> </li> <li class="dpl-loan-checklist__item"> <div class="dpl-loan-checklist__item-content"> <h3 class="dpl-loan-checklist__item-heading">Cosmetic procedures</h3> <div class="dpl-loan-checklist__item-description"><p>Consider a loan for implants, fillers, and other treatments your insurance doesn't quite cover.</p> </div> </div> </li> <li class="dpl-loan-checklist__item"> <div class="dpl-loan-checklist__item-content"> <h3 class="dpl-loan-checklist__item-heading">Fertility treatments</h3> <div class="dpl-loan-checklist__item-description"><p>Fertility treatments are costly. Plan for your family's future by avoiding high-interest debt.</p> </div> </div> </li> <li class="dpl-loan-checklist__item"> <div class="dpl-loan-checklist__item-content"> <h3 class="dpl-loan-checklist__item-heading">Braces and orthodontia</h3> <div class="dpl-loan-checklist__item-description"><p>Get that smile that's worth a million bucks, without breaking the bank.</p> </div> </div> </li> <li class="dpl-loan-checklist__item"> <div class="dpl-loan-checklist__item-content"> <h3 class="dpl-loan-checklist__item-heading">LASIK</h3> <div class="dpl-loan-checklist__item-description"><p>Get rid of your glasses without having to squint painfully at the bill.</p> </div> </div> </li> <li class="dpl-loan-checklist__item"> <div class="dpl-loan-checklist__item-content"> <h3 class="dpl-loan-checklist__item-heading">Additional costs</h3> <div class="dpl-loan-checklist__item-description"><p>Don't skip routine care, tests, medications, or anything else because it's not fully covered by insurance.</p> </div> </div> </li> </ul> <div class="dpl-text__description"> <div class="dpl-loan-checklist__home-loan"></div> </div> </div> </div> </div> </section>  </div> <div class="primary-text-cta"> <div style="background: linear-gradient(90deg, #FFFFFF 50%, #FFFFFF 50%);"> <div class="primary-text hero midnight-blue--background"> <div class="hero__head"><h2>Cover your medical expenses with a personal loan</h2> </div> <a class="button hero__apply-button get_started_button" href="https://www.discover.com/personal-loans/personal-loan-calculator/" data-analytics-label="IN_PAGE_CALCULATE_BTN">Calculate Payments</a> </div> </div> </div> <div class="common-faq"> <section class="dpl-faq"> <div class="dpl-section__wrapper space-large"> <div class="dpl-section__sleeve dpl-section__sleeve--faq"> <h2 class="dpl-section__heading dpl-section__heading-common-faqs">Frequently asked medical loan questions</h2> <ul class="dpl-faq__list"> <li class="dpl-faq__item"> <h3 class="dpl-faq__question-heading"> <button class="dpl-faq__question-toggle" data-analytics-label="FAQ1_EXPAND_LNK" aria-expanded="false" aria-controls="answer-1" id="question-1"> What is a loan for medical expenses? </button> </h3> <div class="dpl-faq__answer" id="answer-1" aria-labelledby="question-1" hidden> A loan for medical expenses is a type of personal loan that may be used to help pay for a variety of medical and dental treatments and procedures not covered by insurance. </div> </li> <li class="dpl-faq__item"> <h3 class="dpl-faq__question-heading"> <button class="dpl-faq__question-toggle" data-analytics-label="FAQ2_EXPAND_LNK" aria-expanded="false" aria-controls="answer-2" id="question-2"> What medical expenses can I use a personal loan for? </button> </h3> <div class="dpl-faq__answer" id="answer-2" aria-labelledby="question-2" hidden> You can use a personal loan to cover a variety of medical expenses such as <a title="Fertility treatments" href="https://www.discover.com/personal-loans/resources/major-expenses/fertility-costs/" target="_blank">fertility treatments</a>, <a title="Lasik eye surgery" href="https://www.discover.com/personal-loans/resources/major-expenses/lasik/" target="_blank">LASIK eye surgery</a>, <a title="cosmetic procedures" href="https://www.discover.com/personal-loans/resources/major-expenses/how-to-finance-plastic-surgery/" target="_blank">cosmetic procedures</a>, <a title="orthodontic works" href="https://www.discover.com/personal-loans/resources/major-expenses/how-to-pay-for-braces/" target="_blank">orthodontic work such as braces</a>, emergency surgeries, or any other medical care like routine checkups and medication. A personal loan can also be used to pay co-pays or co-insurance that has added up over time. </div> </li> <li class="dpl-faq__item"> <h3 class="dpl-faq__question-heading"> <button class="dpl-faq__question-toggle" data-analytics-label="FAQ3_EXPAND_LNK" aria-expanded="false" aria-controls="answer-3" id="question-3"> Is a personal loan a good way to pay for medical expenses? </button> </h3> <div class="dpl-faq__answer" id="answer-3" aria-labelledby="question-3" hidden> Depending on your financial situation, it might be. Rather than depleting emergency savings or racking up higher-rate debt on a credit card, using a personal loan to pay for medical expenses can offer flexible repayment terms, a fixed interest rate, and no origination fee. </div> </li> <li class="dpl-faq__item"> <h3 class="dpl-faq__question-heading"> <button class="dpl-faq__question-toggle" data-analytics-label="FAQ4_EXPAND_LNK" aria-expanded="false" aria-controls="answer-4" id="question-4"> How can I apply for a Discover personal loan to cover medical expenses? </button> </h3> <div class="dpl-faq__answer" id="answer-4" aria-labelledby="question-4" hidden> <p>Start by adding up what you owe in medical bills and, or what you think you might accrue from any upcoming procedures. Then using the personal loan calculator, you can calculate your estimated monthly payments and find loan terms that work within your budget.</p> <p><a href="https://www.discover.com/personal-loans/how-to-get-a-personal-loan/">Learn more</a> about what is needed to apply for a personal loan.</p> </div> </li> <li class="dpl-faq__item"> <h3 class="dpl-faq__question-heading"> <button class="dpl-faq__question-toggle" data-analytics-label="FAQ5_EXPAND_LNK" aria-expanded="false" aria-controls="answer-5" id="question-5"> Can I get my medical bills reduced? </button> </h3> <div class="dpl-faq__answer" id="answer-5" aria-labelledby="question-5" hidden> You may be able to renegotiate your medical bills or create a payment plan. 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If a review is excluded, the associated rating is not calculated in the average product rating.</p> </div> <button tabindex="-1" class="dpl-tooltip-close"> <span class="sr-only"> Close Tooltip </span> </button> </div> </div> </div> <a href="/personal-loans/reviews/" class="dpl-btn dpl-btn--midnight" data-analytics-label="SEE_REVIEWS_BTN"> See Reviews </a> </div> </section> </div> <div class="articledisplay"> <section class="article-display dpl-section white--background"> <div class="article-display__wrapper"> <div class="article-display__header header-content"> <h2 class="article-display__headline"> Read more about personal loans for medical expenses </h2> </div> <div class="article-display__sleeve"> <div class="article-display__card-wrapper"> <div class="article-display__card"> <div class="article-display__image"> <a href="/personal-loans/resources/major-expenses/health-family/uncovered-medical-procedures/"> <img class=" lazyload top-left-curve-variation " data-src="/content/dam/discover/en_us/personal-loans/images/resource-pages/major-expenses/RIK-22258_Getty1299187592_RETOUCHED.jpg" data-srcset="/content/dam/discover/en_us/personal-loans/images/resource-pages/major-expenses/RIK-22258_Getty1299187592_RETOUCHED.jpg" alt="Woman on the phone holding a prescription bottle."/> </a> </div> <a class="article-display__link" href="/personal-loans/resources/major-expenses/health-family/uncovered-medical-procedures/"> <h3 class="article-display__cards-subtitle"> How to Lower Health Care Costs </h3> </a> <a class="article-display__link" href="/personal-loans/resources/major-expenses/health-family/uncovered-medical-procedures/"> <div class="cards__description"> Health care concerns are top of mind for a majority of Americans. Both the process of getting medica […] </div> </a> </div> </div> <div class="article-display__card-wrapper"> <div class="article-display__card"> <div class="article-display__image"> <a href="/personal-loans/resources/major-expenses/health-family/medical-debt-plan/"> <img class=" lazyload " data-src="/content/dam/discover/en_us/personal-loans/images/resource-pages/major-expenses/RIK-28803_Getty1147975588_Plan-for-medical-debt_new.jpg" data-srcset="/content/dam/discover/en_us/personal-loans/images/resource-pages/major-expenses/RIK-28803_Getty1147975588_Plan-for-medical-debt_new.jpg" alt="Man in hospital bed talking to staff member while looking at computer tablet."/> </a> </div> <a class="article-display__link" href="/personal-loans/resources/major-expenses/health-family/medical-debt-plan/"> <h3 class="article-display__cards-subtitle"> How to Pay Medical Bills in 4 Steps </h3> </a> <a class="article-display__link" href="/personal-loans/resources/major-expenses/health-family/medical-debt-plan/"> <div class="cards__description"> Many Americans are looking for the best way to pay off medical bills. We get it, and we’re here to s […] </div> </a> </div> </div> <div class="article-display__card-wrapper"> <div class="article-display__card"> <div class="article-display__image"> <a href="/personal-loans/resources/major-expenses/health-family/fertility-costs/"> <img class=" lazyload top-right-curve-variation " data-src="/content/dam/discover/en_us/personal-loans/images/resource-pages/major-expenses/RIK-17977-Getty-1313145487--fertility-costs.jpg" data-srcset="/content/dam/discover/en_us/personal-loans/images/resource-pages/major-expenses/RIK-17977-Getty-1313145487--fertility-costs.jpg" alt="Woman showing her sonogram image to a video call"/> </a> </div> <a class="article-display__link" href="/personal-loans/resources/major-expenses/health-family/fertility-costs/"> <h3 class="article-display__cards-subtitle"> In Vitro Fertilization Cost: Can You Afford IVF Treatment? </h3> </a> <a class="article-display__link" href="/personal-loans/resources/major-expenses/health-family/fertility-costs/"> <div class="cards__description"> According to the Centers for Disease Control, early 19% people within the reproductive age range ar […] </div> </a> </div> </div> </div> </div> </section> </div> <div class="primary-text-cta"> <div style="background: linear-gradient(90deg, #FFFFFF 50%, #FFFFFF 50%);"> <div class="primary-text hero midnight-blue--background"> <div class="hero__head"><h2>See what rates you qualify for</h2> </div> <div class="hero__deck">Review loan offers in minutes with no impact to your credit score.</div> <a class="button hero__apply-button get_started_button" href="https://personalloans.discover.com/web/application/dplprequal/ac1" data-analytics-label="IN_PAGE_CTA_BTN">Check Your Rate</a> <div class="text ready_bottom">Or call 1-866-248-1255</div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> <div id="experiencefragment-6835121f3f" class="cmp-experiencefragment cmp-experiencefragment--dfs-dpl-public-page-footer-experience-fragment"> <div id="container-19dea7a755" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="footer aem-GridColumn aem-GridColumn--default--12"> <footer class="dpl-footer dpl-section dpl-section--full-width" role="contentinfo"> <div class="dpl-footer__upper"> <div class="dpl-section__wrapper"> <div class="dpl-footer__sleeve"> <div class="dpl-footer__description"> <p class="dpl-footer__heading"> PO Box 30954<br/> Salt Lake City, UT 84130-0954 </p> <p><div> </div> <p>Your APR will be between <b><span id="MinAPR">x</span></b> and <b><span id="MaxAPR">x</span></b> based on creditworthiness at time of application for loan terms of <span id="MinMo">x</span>-<span id="MaxMo">x</span> months. 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