BENEFITS OF MEDICAL FINANCING THROUGH AVANT
Borrow between $2,000-$35,000* to help with medical expenses. The online application process is clear and simple. The rates and terms are transparent and easy to understand.

FAST FUNDS
Funds may be deposited as soon as the next business day if approved.‡

FIXED INTEREST RATE
Your rate is fixed, so you don’t have to worry about it changing over the course of your loan.

THE PERSONAL TOUCH
Questions? We’re happy to help. Reach out and talk to real folks anytime.
A LITTLE MORE ABOUT
MEDICAL LOANS
Avant makes it easy to find a personal loan for medical expenses that works for you.
Ranging From
$2,000-$35,000*
PERSONAL LOANS
Ranging From
9.95%-35.99%*
APR
Ranging From
24-60 MONTHS**
LOAN TERMS
HOW CAN YOU USE A LOAN FOR MEDICAL EXPENSES?
Help cover medical expenses with a personal loan through Avant that’s easy to understand and manage.

EMERGENCY HOSPITAL BILLS
When the unexpected happens, you may receive expensive hospital bills. Take the sting out of an emergency with a medical loan that may help you get back on track in the shortest time possible.

IVF TREATMENTS
IVF Financing is a common option that would-be new parents take in order to get and stay pregnant. A loan for medical bills may help you cover unpredictable costs, lack of health insurance coverage, and more.

ELECTIVE PROCEDURES
Planning for a surgery or other medical procedure is a big event with lots of moving parts. Get your finances in order ahead of time with a medical loan that may help cover the costs of your care.

CHECKING YOUR LOAN OPTIONS DOES NOT IMPACT YOUR CREDIT SCORE.
HOW TO APPLY FOR A MEDICAL LOAN
Getting a medical loan through Avant is a simple, 3-step process.

APPLY ONLINE
Exploring your rate options won’t affect your credit score and our simple application takes just a few minutes.

GET A FAST DECISION
You like to move fast. We do, too. That’s why we offer decisions within minutes whenever possible.†

RECEIVE YOUR FUNDS
If approved, we’ll deposit your loan as soon as the next business day.‡ You can manage your account through our convenient Avant mobile app.
◊ Testimonials reflect the individual's opinion and may not be illustrative of all individual experiences with Avant.
Rates and terms
for the state of Alabama
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Select one...
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District Of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
loan amount ranges
$2,000-$35,000*
loan term ranges
24-60 months**
apr ranges
9.95%-35.99%*
Late Fee: If any selected payment is not paid in full within 10 days after its due date, you will be charged a late fee of $25.00. Application of late fees may vary among products serviced by Avant.
Dishonored Payment Fee: We will charge you a Dishonored Payment Fee of $15.00 each time any payment we initiate or you make in connection with your Note or the Debt is returned unpaid.
Administration fee up to 9.99%.
ANSWERS TO YOUR
MEDICAL LOAN QUESTIONS
It’s smart to ask questions before you decide on a personal loan for medical expenses. Check out our FAQs below.
What is a medical loan?
Medical loans are personal loans taken out to specifically help finance medical treatment. Medical loans may help you pay for elective surgeries, IVF treatments, and emergency procedures. Many lenders may not even distinguish the loan as a medical loan, but instead will state in their loan terms or literature that medical costs are an acceptable use for the loan proceeds.
What kind of credit score do you need for a medical loan?
Because medical loans are typically unsecured personal loans they are suited to people with a good credit score who can get a good interest rate. Customers who take out personal loans through Avant typically have credit scores between 550 and 700.
Can you get a loan to pay for a surgery?
Yes! You can get a loan to help pay for a surgery. The loan will typically be an unsecured personal loan that you pay back in monthly installments. Some lenders may specify that the loan be used for medical expenses only while others describe medical expenses as one possible use for the funds.
What is a secured medical loan?
Secured medical loans are loans from a bank or credit union that you back with some form of collateral. If you don’t pay the loan back, the lender can take ownership of the collateral you use. While many people use their home as collateral, some lenders may allow other assets such as cars or boats to be used.
What is the interest rate on a medical loan?
The interest rate you receive for a medical loan will be the same as the interest rate you would receive for a personal loan of the same amount. The actual loan amount, term, and APR amount of loan that a customer qualifies for may vary based on credit determination and state law. Loans though Avant offer APRs between 9.95% and 35.99%.*
How long are medical loans?
The length of medical loans varies from lender to lender. Avant offers loan terms from 24-60 months.**
Can I use my credit card for my medical expenses?
You can use your credit card to pay for your medical expenses, however you should keep in mind that the APRs you pay on your credit card debt can be higher than other types of financing. If you’re unable to pay off your full statement balance each month you are going to pay interest. What’s more, if you revolve a balance from one month to the next, those high interest fees kick in and can be a big expense. If you can't afford to pay a medical bill right away, a medical loan may be a more prudent choice to avoid incurring higher interest.
Why should I get a medical loan?
A medical loan could help you finance a costly procedure or consolidate medical debt. If there is a gap between your medical bills and what you can afford to pay you should consider applying for a medical loan. If approved, you could use the loan to help pay for medical costs and then repay the loan in simple monthly installments.
Can I get a medical loan with bad credit?
Customers who take out personal loans for medical expenses through Avant typically have credit scores between 550 and 700. You can check if you qualify with no impact to your credit score.

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