Bariatric surgery financing

Weight-loss surgery loans

Planning for surgery to lose weight can be stressful. Personal Loans through Prosper provide access to stress-free, affordable financing for any bariatric surgery expense.
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Why use a personal loan for bariatric surgery financing?

Losing weight can be challenging. The last thing you need is any additional anxiety about how to pay for medical interventions. Weight-loss surgery loans through Prosper offer a simple, flexible, and reasonable option for financing bariatric surgery.
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Weight-loss surgery can get expensive. Prosper can help.

Although the benefits from weight loss surgery can be life-changing, insurance companies don’t consistently cover the costs, which typically range from $15,000 to $25,000.

Insurance coverage may not take care of all of your costs. You may end up needing to cover out-of-pocket costs due to deductibles, time off work, and other associated expenses.

Understanding the kinds of costs involved with weight-loss surgery can help you evaluate your financial situation and consider whether bariatric surgery financing may be right for you.

Gastric bypass

Gastric bypass surgery, also known as Roux-en-Y gastric bypass, is designed to help people who are severely overweight achieve significant weight loss and potentially improve obesity-related health conditions.
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Gastric banding

Also known as lap-band surgery, gastric banding is considered a less invasive procedure compared to gastric bypass surgery.
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Sleeve gastrectomy

Sleeve gastrectomy, also known as gastric sleeve surgery, is a bariatric surgery option for individuals who have not achieved significant weight loss through other non-surgical methods.

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Duodenal switch

Duodenal switch, also known as biliopancreatic diversion with duodenal switch (BPD/DS), is considered a highly effective weight-loss procedure but is a more complex surgery compared to other bariatric procedures.

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Post-surgery appointments

While each person’s weight-loss journey is unique, proper post-op care is critical for successful healing.
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Other related treatments & procedures

Personal loans through Prosper provide affordable access to weight loss and bariatric surgery financing for virtually any bariatric expense.

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Fast, flexible funding when you need it

Weight-loss surgery financing through Prosper gives you the fast, flexible funding you need to get the procedures and care you want.

  • An easy online application: You’ve got enough on your mind while you’re trying to plan surgery. Prosper’s application process is quick and painless so you can focus on the important things.
  • No rate hikes or payment increases: A simple payment schedule for a set term of 2-5 years¹ gives you peace of mind. There are no rate hikes or payment increases.
  • No prepayment penalties: Prosper has no prepayment penalty, another reason why this is an excellent choice to cover expenses.
  • Fixed rates range from 6.99% to 35.99% APR¹: Prosper offers reasonable interest rates based on your credit history and unique financial situation, providing affordable funds.
  • Flexible usage: Funds are disbursed directly to you, allowing you to use them however you need. Prosper gives you the financial flexibility to handle expenses during your weight-loss journey.
  • Fast funding from $2,000-50,000¹: Personal loans through Prosper are disbursed as quickly as the next business day² after approval, giving you access to the funds you need right away.
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IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT.

 

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

 

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

 

1 For example, a three-year $10,000 personal loan would have an interest rate of 11.74% and a 5.00% origination fee for an annual percentage rate (APR) of 15.34% APR. You would receive $9,500 and make 36 scheduled monthly payments of $330.90. A five-year $10,000 personal loan would have an interest rate of 11.99% and a 5.00% origination fee with a 14.27% APR. You would receive $9,500 and make 60 scheduled monthly payments of $222.39. Origination fees vary between 1% and 5%. Personal loan APRs through Prosper range from 6.99% to 35.99%, with the lowest rates for the most creditworthy borrowers. Your actual rate depends on credit history, income, loan term, and other factors. The average APR for a funded 3-year personal loan between January 1, 2022 and December 31, 2022 was 22.48% APR. Eligibility for personal loans up to $50,000 depends on the information provided by the applicant in the application form. Eligibility for personal loans is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions.

 

2 You may receive your funds one business day following your acceptance of the loan offer, completion of all necessary verification steps and final approval. One business day funding is also dependent on your bank’s ability to quickly process the transaction.

 

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