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 1366 customer reviews

Top quality




Review of Wise Loan

Jude was professional with kind and understanding demeanor

MissionTX78574 26.34-98.375

Great customer service




Review of Wise Loan

KenoshaWI53144 42.63-87.875

Response from Wise Loan:

Teresa, 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 [email protected]. Best regards, Wise Loan


Excellence service




Review of Wise Loan

HoustonTX77009 29.8125-95.36

Response from Wise Loan:

Lisa, 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 [email protected]. Best regards, Wise Loan


Good service




Review of Wise Loan

Good Service.Knowlegable of service provided

SulphurLA70663 30.235-93.355

Response from Wise Loan:

Thomas, 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 [email protected]. Best regards, Wise Loan


Excellent Service




Review of Wise Loan

Mr Glen was very helpful

ShreveportLA71105 32.455-93.7075

Response from Wise Loan:

Angela, 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 [email protected]. Best regards, Wise Loan


Very good communication




Review of Wise Loan

Very helpful

MarreroLA70072 29.8125-90.13

Response from Wise Loan:

Denise, 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 [email protected]. Best regards, Wise Loan


Excellent service




Review of Wise Loan

Very professional and knowledgeable

El PasoTX79925 31.79-106.3425

Response from Wise Loan:

Rose, 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 [email protected]. Best regards, Wise Loan


Great service




Review of Wise Loan

Great

PewaukeeWI53072 43.075-88.275

Response from Wise Loan:

Tracy, 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 [email protected]. Best regards, Wise Loan


Excellent service




Review of Wise Loan

Mr Jude was very respectful and kind

GonzalesLA70737 30.225-90.925

Response from Wise Loan:

Desiree, 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 [email protected]. Best regards, Wise Loan


Great service!




Review of Wise Loan

Wise loans with Essential Lending made it easy to expedite business.

AzleTX76020 32.9175-97.5475

Response from Wise Loan:

Douglas, 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 [email protected]. Best regards, Wise Loan


Excellent service!




Review of Wise Loan

Very helpful, did all the work for me.

PoundWI54161 45.1175-88.18

Response from Wise Loan:

Cyle, 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 [email protected]. Best regards, Wise Loan


Excellent Service




Review of Wise Loan

Great Customer Service from Jude every time!

PrairievilleLA70769 30.3175-90.9625

Response from Wise Loan:

Corey, 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 [email protected]. Best regards, Wise Loan


Excellent Service!!!!




Review of Wise Loan

He was absolutely wonderful and very kind and understanding!! I hope all my experiences are like that!!

SeminoleTX79360 32.7-102.7125

Response from Wise Loan:

Christina, 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 [email protected]. Best regards, Wise Loan


Excellent




Review of Wise Loan

VictoriaTX77901 28.8075-96.995

Response from Wise Loan:

Angelina, 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 [email protected]. Best regards, Wise Loan


Excellent




Review of Wise Loan

ClevelandTX77327 30.3-94.8525

Response from Wise Loan:

John, 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 [email protected]. Best regards, Wise Loan


Jude C.

Jude C.

Near Mission, TX 78574
Jude C.

Jude C.

Near , 77322
Jude C.

Jude C.

Near Austin, TX 78728
Jude C.

Jude C.

Near Minden, LA 71055
Jude C.

Jude C.

Near Humble, TX 77346
Jude C.

Jude C.

Near Wylie, TX 75098
Olga S.

Olga S.

Near John St, San Leon, TX 77539
Jude C.

Jude C.

Near Porter, TX 77365
ROBBY G.

ROBBY G.

Near Kenosha, WI 53144
Jude C.

Jude C.

Near San Antonio, TX 78201
Jude C.

Jude C.

Near Kansas City, MO 64111
Jude C.

Jude C.

Near New Zion, LA 70444
Jude C.

Jude C.

Near Klein, TX 77379
Mae  F.

Mae F.

Good Day, I am sending you a review request regarding my service today. Your feedback on my performance is really valuable and it will be sent to our higher management. If you have free time we'd like to hear about it. Thank you.

Near 23rd St, Lubbock, TX 79410
Mae  F.

Mae F.

Good Day, I am sending you a review request regarding my service today. Your feedback on my performance is really valuable and it will be sent to our higher management. If you have free time we'd like to hear about it. Thank you.

Near 23rd St, Lubbock, TX 79410
Trent T.

Trent T.

this is trent the one that helped you today would you mind fill out this regarding for my performance today?

Near Avenue of Oaks St, Houston, TX 77009
Trent T.

Trent T.

this is trent the one that helped you today would you mind fill out this regarding for my performance today?

Near Avenue of Oaks St, Houston, TX 77009
Trent T.

Trent T.

this is trent the one that helped you today would you mind fill out this regarding for my performance today?

Near Texas St, Sulphur, LA 70663
Trent T.

Trent T.

this is trent the one that helped you today would you mind fill out this regarding for my performance today?

Near Texas St, Sulphur, LA 70663
Jude C.

Jude C.

Near Austin, TX 78729
ROBBY G.

ROBBY G.

Near Tomball, TX 77377
Trent T.

Trent T.

this is trent the one that helped you today would you mind fill out this regarding for my performance today?

Near 2nd Ave N, Texas City, TX 77590
Trent T.

Trent T.

this is trent the one that helped you today would you mind fill out this regarding for my performance today?

Near 2nd Ave N, Texas City, TX 77590
Trent T.

Trent T.

this is trent the one that helped you today would you mind fill out this regarding for my performance today?

Near Sycamore Dr, Murphy, TX 75094
Trent T.

Trent T.

this is trent the one that helped you today would you mind fill out this regarding for my performance today?

Near Sycamore Dr, Murphy, TX 75094

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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

    Apply for a Medical Loan Today