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Unsecured personal loans can be used for medical needs. These loans are not tied to your home's equity, however they may have higher interest rates than secured loans.
Some consumers use credit cards to finance medical needs. While convenient, be mindful of high-interest rates, and try to pay off the balance quickly to avoid accumulating debt.
Some credit cards are specifically designed for medical expenses. These cards may offer promotional financing with low or zero interest for a certain period.
Some medical offices offer financing options for their services. Be sure to carefully review the terms, interest rates, and fees.
Check if you qualify for any government assistance programs that provide financial support for medical expenses.
Some charitable organizations and nonprofits offer financial assistance for medical bills. Research local and national organizations that may be able to help.
If you have a high-deductible health plan, you may be eligible for an HSA. FSAs are also tax-advantaged accounts that can be used for qualified medical expenses. Contributions to these accounts are tax-deductible.
Option | Collateral required | Money available within 3 days | Potential loan amount provided | Interest rates | Chances of approval |
|---|---|---|---|---|---|
  Personal Loans |  |  | .svg){kind=small} | | .svg){kind=small} |
 Regular Credit Cards | | |  | | |
 Medical Credit Cards | | | | | |
 Payment Plans | | | | .svg){kind=small} | |
 Government Assistance Programs | | | |  |  |
 Charity and Non-Profit Organizations | | |  | | |
 HSA / FSA | | | | | |
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