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Overwhelmed by Healthcare Bills? Medical Loans Can Help.

Your health waits for no one, and neither do our loan approvals.

  • Super Fast Loan Decision
  • Instant or Same-Day Funding
  • Positive Payment History Reported to the Credit Bureaus
Join our growing number of customers who received help with medical debt.

Hear From Our Customers


Reviews

Wise Loan Rated 4.8 out of 5 stars based on 1579 customer reviews

Customers say: The overall tone of the reviews is positive, with a focus on the excellent customer service provided by Wise Loan. The reviews highlight the company's commitment to providing top-notch service, with representatives being knowledgeable, professional, and helpful. Positive themes include prompt response times, efficient processes, and a willingness to go the extra mile to assist customers. While there are a few negative reviews, they do not represent a clear, recurring trend. The tone of the reviews is generally upbeat, with customers expressing gratitude for the assistance provided by Wise Loan.


Survey




Review of Wise Loan

Fort WorthTX76107 32.7375-97.385

Response from Wise Loan:

Janet, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at email hello@wiseloan.com. Best regards, Wise Loan


Excellent




Review of Wise Loan

Excellent help

SlidellLA70458 30.24-89.8225

Response from Wise Loan:

Gregory, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at email hello@wiseloan.com. Best regards, Wise Loan


Very thorugh




Review of Wise Loan

Very knowledeble

McKinneyTX75069 33.1625-96.59

Response from Wise Loan:

Oscar, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at email hello@wiseloan.com. Best regards, Wise Loan


It's ok not great




Review of Wise Loan

I think you should due monthly payment not everything two week

San AntonioTX78211 29.345-98.5675

Response from Wise Loan:

Rebecca, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. We will contact you within 24 hours; otherwise, do not hesitate to contact us directly at hello@wiseloan.com. Best regards, The Call Center


Excellent service




Review of Wise Loan

ColumbiaSC29212 34.0725-81.22

Response from Wise Loan:

Terrell, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at hello@wiseloan.com. Best regards, Wise Loan


Excellent Service




Review of Wise Loan

The representative who assisted me was very knowledgeable and professional. She resolved my issue in an expeditious manner.

LucasTX75002 33.105-96.6425

Response from Wise Loan:

Joann, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Excellent service




Review of Wise Loan

LafayetteLA70506 30.2-92.0775

Response from Wise Loan:

Stephanie, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Thank you




Review of Wise Loan

Great service & efficient

HobartWI54313 44.59-88.11

Response from Wise Loan:

Sandra, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Great Service




Review of Wise Loan

I had a issue & they help me through it no hassle.

GalvestonTX77550 29.305-94.7925

Response from Wise Loan:

Mia, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Great customer service




Review of Wise Loan

Great

WolfforthTX79382 33.47-101.9925

Response from Wise Loan:

Kandis, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Good service




Review of Wise Loan

He took care of the problem

Baton RougeLA70811 30.535-91.125

Response from Wise Loan:

Jerquan, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Great Service!




Review of Wise Loan

Sheena did a great job answering my concerns and giving me her direct line !

LeanderTX78641 30.54-97.9375

Response from Wise Loan:

Sara, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Great service!




Review of Wise Loan

Sheena was so sweet and answered quickly with my questions thank you! She's great!

LeanderTX78641 30.54-97.9375

Response from Wise Loan:

Sara, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Terrible every time I’ve called




Review of Wise Loan

Five thumbs down!

AmarilloTX79109 35.1625-101.9

Response from Wise Loan:

Micha, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. We will contact you within 24 hours; otherwise, do not hesitate to contact us directly at (800) 516-7840 or email us at hello@wiseloan.com. Best regards, The Call Center


great service & good prices




Review of Wise Loan

ArlingtonTX76015 32.69-97.13

Response from Wise Loan:

Arionna, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Sheena U.

Sheena U.

Near Boise, ID 83709
Sheena U.

Sheena U.

Near Borger, TX 79007
Sheena U.

Sheena U.

Near Nixa, MO 65714
Sheena U.

Sheena U.

Near Nixa, MO 65714
Rey T.

Rey T.

Near Franklin, WI 53132
Rey T.

Rey T.

Near Franklin, WI 53132
Rey T.

Rey T.

Near Fort Worth, TX 76107
Rey T.

Rey T.

Near Fort Worth, TX 76107
Sheena U.

Sheena U.

Near Milford, DE 19963
Sheena U.

Sheena U.

Near Milford, DE 19963
Rey T.

Rey T.

Near Slidell, LA 70458
Rey T.

Rey T.

Near Slidell, LA 70458
Rey T.

Rey T.

Near Madison, WI 53704
Rey T.

Rey T.

Near Madison, WI 53704
Olga S.

Olga S.

Near Main St, Buda, TX 78610
Rey T.

Rey T.

Near McKinney, TX 75069
Rey T.

Rey T.

Near McKinney, TX 75069
Rey T.

Rey T.

Near Georgetown, TX 78628
Rey T.

Rey T.

Near Georgetown, TX 78628
Rey T.

Rey T.

Near Baton Rouge, LA 70816
Rey T.

Rey T.

Near Baton Rouge, LA 70816
Rey T.

Rey T.

Near Abilene, TX 79605
Rey T.

Rey T.

Near Abilene, TX 79605
Sheena U.

Sheena U.

Near Celina, TX 75009
Sheena U.

Sheena U.

Near Houston, TX 77040

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What is a Medical Loan?


A medical loan is a specialized personal loan tailored for individuals with unexpected medical costs. These emergencies can quickly raise hefty bills, whether unforeseen surgery, costly medication, or extended hospital stays. These expenses are daunting for many, especially those without comprehensive health insurance.

These loans are financial solutions that provide a structured repayment plan, alleviating the immediate burden of these bills. You can structure your payment options as weekly, biweekly, or monthly. With flexible repayment options and competitive interest rates, loans for medical bills can be a viable option for many. They ensure that financial constraints do not compromise the quality and timeliness of healthcare received, offering peace of mind during already stressful times.

How It Works

Applying for a medical treatment loan with Wise Loan is a straightforward, three-step process:

1

Apply for a Loan

We understand that time is of the essence when it comes to unexpected expenses. Our simple application takes less than 5 minutes to complete. You must have a checking account to apply.

2

Receive a Loan Decision

After completing the application, you will receive a loan decision within minutes to an hour, reducing the stress and uncertainty often associated with medical bills.

3

Get Funds

Whether it’s same-day, instant, or next-day funding, we ensure you get your funds as a lump sum when you need them the most. You must have direct deposit to receive funds.

Why Choose Wise Loan?


At Wise Loan, we stand out as a reliable and customer-centric choice for medical expense loans. Our commitment to efficiency ensures a quick and convenient application process, allowing you to secure the financial support you need for medical bills without unnecessary delays. With flexible terms, competitive interest rates, rewards for on-time payments through our Nest Egg program, and the opportunity to build your credit score through timely payments reported to credit bureaus, Wise Loan provides a comprehensive solution to your medical financing needs.

What Can I Use a Medical Loan For?


Medical loans can be used for various healthcare-related expenses, including but not limited to:

    Hospital bills

    Emergency procedures

    Doctor consultations

    Dental procedures

    Prescription medications

    Whatever unexpected treatment costs and medical bills you face, loans from Wise Loan can help you manage and pay for them efficiently.

    We Proudly Serve These Locations

    Wise Loan proudly serves the following locations:

    Medical Loan FAQs

    How Much Can I Borrow With a Medical Loan?

    The amount you can borrow with a medical loan varies depending on your financial situation, credit history, and the lender’s policies. Wise Loan offers loan amounts ranging from $500 to $1500, which provides flexibility to suit a variety of expenses. Borrowing only what you need to manage your expenses and ensure a comfortable repayment plan is crucial. Ensure you review all loan terms and conditions before committing.

    How Do Medical Loans Work?

    Medical loans operate similarly to personal loans. You apply for a loan, are approved if eligible, and agree to repayment terms, including interest. These loans can be unsecured, meaning no collateral is required for you to receive the necessary medical procedures. They are designed to provide financial relief during emergencies, ensuring patients get the treatment they need without added financial stress. Understanding the interest rates and fees before taking one out is essential.

    Are Medical Loans Hard to Get?

    Medical loans are typically more accessible than traditional loans from banks or credit unions. While loan application approval is subject to creditworthiness, healthcare loans are designed to assist individuals facing unexpected expenses, making them more attainable during challenging times. Lenders, such as Wise Loan, understand the urgency and significance of receiving these funds, often leading to a more lenient and empathetic application process. You may still qualify for a loan even if you have bad credit. However, it’s still essential to maintain a good credit score to get favorable loan terms.

    How Do I Get a Medical Loan?

    Getting a medical loan is a straightforward process. You can apply online through Wise Loan’s user-friendly application. After submitting your application, you will receive a loan decision within minutes to an hour. If approved, you could have access to funds on the same day. Always ensure you have all necessary documents ready and double-check the application for accuracy. It’s beneficial to shop around and compare different lenders to find the best rates and terms.

    What Are My Medical Financing Options?

    Medical loans come in various forms, including unsecured loans and secured loans. Unsecured loans do not require collateral, while secured loans may require an asset as collateral. Wise Loan offers these loans to make the process easier and more accessible for our customers. Other financing options include payment plans offered directly by healthcare providers or tapping into health savings accounts if available. Always weigh the pros and cons of each option before deciding.

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    Resources

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