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eFinancing Solutions

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LAST UPDATED: March 19th, 2021

eFinancing Solutions is a loan-processing company that offers several types of loan programs for individuals based on their credit. 

The company offers eMedical Financing, which has programs for all types of medical procedures. Below is a list of the most common procedures that eFinancing has helped clients finance.  

  • Breast augmentation
  • Bariatric/weight loss surgery
  • Cosmetic dentistry
  • Cosmetic surgery
  • Dermatology
  • Fertility
  • General surgery
  • Hair replacement
  • Lasik
  • Liposuction
  • Ophthalmology
  • Orthodontics
  • Plastic surgery
  • Radial keratotomy
  • Rhinoplasty
  • Urology

Whatever medical procedure or medical treatment you need, eFinancing Solutions is available to help you achieve an affordable monthly payment.

Keep in mind that eFinancing Solutions is not a lender nor a creditor and does not make loans or credit decisions. The company also won't help you choose a lending partner, as it is not an agent for you or the lending partners.

You are solely responsible for deciding which loan product, terms, or lending partner best suits your financial needs. 

Additionally, all loans are subject to credit approval. The interest rates and loan fees vary and are based on the borrower (and possibly their cosigner), credit score, and other underwriting criteria.

Whether you are approved for a loan (or not) is entirely up to the lending partner and not eFinancing Solutions. 

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The Good

  • Easy Application Process
  • Reasonable Qualifications
  • Term Lengths

Easy Application Process

You can apply for a loan through the website from a computer, iPad, or phone.

The online application form is relatively simple, but you'll need to have all the necessary information.

Be sure to have on hand the following details: requested loan amount, employment status, credit range, annual individual income, housing status, and social security number. 

If you have a cosigner, you'll need their annual gross income. 

Fortunately, checking offers through eFinancing Solutions is free and won't impact your credit score. 

Reasonable Qualifications

The requirements for qualifying for a loan or line of credit are very reasonable. You only have to be at least 18 years old, provide proof of income, and no minimum income requirement. It would help if you also had a credit score of at least 630. 

If you don't meet any of these requirements, though, you can still apply with a cosigner who does, and the company will consider you.

Term Lengths

eFinancing Solutions' term lengths are very reasonable. You can get a loan term that extends for between 24 and 84 months, a wide range. 

Plus, you can borrow between $1,000 and $50,000. This smaller loan amount is a good fit for patients who need to borrow a relatively small amount of money since some companies have loans as high as $100,000.


The Bad

  • Not a Broker
  • Possible Fees
  • Member Portal

Not a Broker

If you're looking for some help choosing a loan or want to know which lending partner will best aid you in your financial situation, eFinancing Solutions can't help. 

Possible Fees

Before submitting your application, make sure you're comfortable with eFinancing Solutions terms and conditions.

The company states that your credit report and score "may be presented to multiple credit issuing companies and/or search companies including (but not limited to) Banks, Finance Partners, Credit Card Issuers and other such companies."

This is important to know because some lenders or lending partners will charge a loan processing fee and/or an origination fee. This isn't always the case, but it is something to be aware of. 

Member Portal

You can check on the status of your loan through eFinancing Solutions' member portal. 

You can't make payments, update personal information, or request changes. If you want to do that, you'll have to go through your lender's member portal.


The Bottom Line

eFinancing Solutions can help you in your search to find a lending partner that will finance your medical procedure. 

The company is not a lender but more of a bridge in helping you find companies who are (and can offer you a reasonable rate). The online application is easy enough to fill out; however, be sure to have your personal information at the ready.

Once you've applied, eFinancing Solutions will put you in contact with lenders who are interested in financing your loan.

You are then responsible for choosing the lender you want to work with — eFinancing Solutions is not an agent for any of the lenders and will not suggest one over the other. 

eFinancing Solutions also offers loans up to $50,000. As far as medical procedures go, this is a decent amount. It won't cover the most expensive procedures like a heart transplant, but it will cover a lot of other things. 

Keep in mind that your loan will vary depending on the lender. Your interest rate might be higher or lower based on your current financial situation, credit score, down payment, payment history, and more. 

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Exhausted Customer Ridgefield, WA

God! I've tried 3 different times on 3 diff. computer devices that use 3 diff. operating systems! Each time I get an error message! I've emailed twice, and received indifferent, bored responses. And, they state that this application won't affect my credit rating, which turns out to be wrong. They don't care, & they're not interested in doing things well.

4 years ago