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Find answers to our community’s questions below, or visit our Help Center to learn more.
A medical loan is a type of personal loan designed to help people finance medical expenses. Some people use medical loans when their treatment is not fully covered by insurance or if they have high out-of-pocket expenses. Like with most personal loans, you borrow money from a lender and pay it back in fixed monthly payments over a set period, such as 2–5 years. Medical loans through Prosper are unsecured, meaning they do not require collateral. All personal loans made by WebBank.
You can check your offer for a medical loan through Prosper online in just a few minutes. Whether or not you get an offer for a medical loan can vary depending on several factors, including your credit worthiness, income, and the lender’s requirements. If you have trouble getting a medical loan on your own, consider applying with a co-applicant.
Yes. Borrowers can use the funds from a medical loan to pay for a wide range of medical costs, such as surgeries, treatments, medications, hospital stays, dental work, or other healthcare-related services. Healthcare financing through a medical loan is a good option for many people.
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.
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.
3 Your monthly payment amount may be different in the final month of your loan.