Medical Bill Loans: Options for Medical and Dental Bills

A medical or dental bill can arrive when you least expect it. Before you borrow, there are often ways to lower or spread the cost. If you still need help, request $200 to $5,000 and see whether lenders in our network have offers.

Tilt App is a loan-matching service, not a lender. Submitting a request doesn't guarantee an offer.

How much do you need?

Type any amount from $200 to $5,000, or choose one below.

Requests of $550 to $1,500Amounts like this are often repaid in fixed installments. Compare the total cost, not just the payment.

  • One short online request
  • No obligation to accept an offer

We are not a direct lender. Submitting a request doesn't guarantee an offer, and rates and terms vary by lender. Checking your rate through TiltApp does not affect your credit score. If you accept an offer, the lender will typically run a hard credit inquiry before funding, which may affect your score

How medical bill loans work

A medical bill loan is usually a personal loan used to pay a doctor, hospital, dentist or other provider. You repay the lender over time.

Medical bills can sometimes be reduced, and many providers offer payment plans, some without interest. Check those options first, because they can cost less than a loan.

Paying a medical or dental bill

Varies by lender
Ways to pay
A provider payment plan, financial assistance, HSA or FSA funds, a credit card or a personal loan
What to have ready
An itemized bill and your insurer's explanation of benefits
Amounts you can request
Any amount from $200 to $5,000
APR range
5.99%–35.99%
Example
a $2,000 loan with a 24.99% APR repaid over 24 months would have a monthly payment of about $106.39 and a total repayment of about $2,553.36. Your actual rate, term and payment depend on the lender and your creditworthiness

Rates, fees and terms are set by each lender and depend on your credit profile, term and state.

Before you borrow for a medical bill

A few steps that can lower what you need to borrow.

  1. Ask for an itemized billCheck each charge against the care you received and question anything that looks wrong.
  2. Check what insurance should coverCompare the bill with your explanation of benefits and ask your insurer about any denied claims.
  3. Ask about financial assistanceNonprofit hospitals are required to have a financial assistance policy, and many providers offer discounts to patients who qualify.
  4. Ask for a payment planMany providers will spread a bill over several months, sometimes without interest.

Other ways to pay

Depending on your situation, these may cost less than a loan.

  • Payment plan with the provider

    Ask the billing office to split the balance into monthly payments.

    Payment plans

  • Financial assistance

    Hospital assistance policies and local programs can reduce or forgive part of a bill for patients who qualify.

    Assistance programs

  • HSA or FSA funds

    If you have a health savings or flexible spending account, you may be able to use it for eligible medical and dental costs.

How much do you need?

Base your request on the estimate or bill, and borrow only what the urgent part costs. You can request any amount from $200 to $5,000.

Rates and terms vary by lender: 5.99%–35.99%

Other unexpected expenses

Guides for other bills that can't wait.

Medical bill loan questions

More answers in the help center.

Should I use a loan or a payment plan for a medical bill?

Ask the provider about a payment plan first; it may cost less than a loan. A loan can make sense if the provider won't offer a plan or you need to combine several bills.

Can I use a personal loan for dental work?

Yes. Personal loans can generally be used for dental and other medical costs. Check the lender's terms for any restrictions.

How much should I borrow for a medical bill?

Use the amount you'll actually owe after insurance, discounts or assistance, not the first bill you receive. Compare loan amounts.

Can I get a medical bill loan with bad credit?

You can submit a request with any credit history. Whether you see offers depends on each lender's criteria. See bad credit loan options.

What does a medical bill loan cost?

It depends on the lender, your state, the term and your credit profile. a $2,000 loan with a 24.99% APR repaid over 24 months would have a monthly payment of about $106.39 and a total repayment of about $2,553.36. Your actual rate, term and payment depend on the lender and your creditworthiness See rates and terms.