Medical loans made easy

Checking your rate won’t affect your credit score

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Borrow from $2,000 to $50,0001

Get your funds fast2

Choose terms of 2–5 years1

Why medical loans through Prosper?

Whether it’s an emergency expense, an elective procedure, or anything in between, you shouldn’t have to worry about how you’ll pay your medical bills. We offer access to personal loans with flexible terms, a fixed monthly payment,3 and no prepayment penalties so you can focus on what matters most—your health and well-being.

How medical loans through Prosper work

Check your rate

Get your offer in minutes

Get approved & get your funds

Receive the funds for your medical bills fast2

Pay for your healthcare

Finance your healthcare expenses upfront and pay off your loan with a fixed monthly payment3


Checking your rate won’t affect your credit score

A medical loan through Prosper is a great way to take care of healthcare financing

See our 12,124 reviews on


21 hours ago

The application process was quick and easy, the terms are crystal clear, and I highly recommend getting a personal loan through Prosper.

Marie Quinn

2 days ago

The loan process was quick, efficient, and great loan experience


Sep 16, 2023

Nice resource


Sep 16, 2023

I loved how you were able to give me the loan.


Sep 01, 2023

Easy process and helpful staff.


Aug 31, 2023

Easy to use, great platform.

Medical loans for your healthcare needs

Cosmetic dental offices
Bariatric surgery centers
Cosmetic and plastic surgery centers
Fertility and reproductive clinics
Mental and
behavioral health
Mental and behavioral health

Frequently asked questions
about medical loans

Frequently asked questions about medical loans

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.

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.

3 Your monthly payment amount may be different in the final month of your loan.

All personal loans made by WebBank. Prosper and WebBank take your privacy seriously. Please see Prosper’s Privacy Policy and WebBank’s Privacy Policy for more details.