Best Healthcare Financing

25 Companies

45 Real Customer Reviews

2.6
Average User Rating

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Compare The Top Healthcare Financing CompaniesSort By:
  • No Patient Is Denied
  • Covers Any Medical Industry

AccessOne MedCard

  • No Patient Is Denied
  • Covers Any Medical Industry
  • No Application Fee
  • 0% Interest on Line of Credit

Care Payment

  • No Application Fee
  • 0% Interest on Line of Credit
  • Lowest APR Available: 17.00%
  • Provider Network: Not Provided
  • Online Patient Portal

Citerra Finance

  • Lowest APR Available: 17.00%
  • Provider Network: Not Provided
  • Online Patient Portal
  • Covers Services and Equipment
  • Provider Network: Unknown
  • Home Care Options Available

Gemino Healthcare

  • Covers Services and Equipment
  • Provider Network: Unknown
  • Home Care Options Available
  • Interest-Free Options
  • Online Patient Portal
  • Network of over 10,000 Providers

Med Loan Finance

  • Interest-Free Options
  • Online Patient Portal
  • Network of over 10,000 Providers
  • Financing For Company Health Plans
  • Provider Network: 116 Providers
  • No Online Patient Portal

MidCap Financial LLC

  • Financing For Company Health Plans
  • Provider Network: 116 Providers
  • No Online Patient Portal
  • Industry Specialization
  • Free Application
  • Low Interest Rates Offered

Prosper Healthcare Lending

  • Industry Specialization
  • Free Application
  • Low Interest Rates Offered
  • Lowest APR Available: 6.99%
  • Provider Network: Not Provided
  • No Online Patient Portal

EasyMedicalLoan.com

  • Lowest APR Available: 6.99%
  • Provider Network: Not Provided
  • No Online Patient Portal
  • Lowest APR Available: 1.25%
  • Provider Network: 160,000
  • Online Patient Portal

American Benefit Credit

  • Lowest APR Available: 1.25%
  • Provider Network: 160,000
  • Online Patient Portal
  • Lowest APR Available: 5.99%
  • Provider Network: Not Provided
  • Online Patient Portal

American Medical Loans

  • Lowest APR Available: 5.99%
  • Provider Network: Not Provided
  • Online Patient Portal
  • No Patient Is Denied
  • Covers Any Medical Industry

Intro to AccessOne MedCard

AccessOne MedCard was founded in 2001 and has since worked with over 50 hospitals throughout the southeast. Based in Charlotte, North Carolina, this company has a smaller network of providers—mostly in North Carolina but also in various parts of Florida, Georgia, Tennessee, Alabama, and South Carolina. Since their founding, the company has helped over 400,000 clients.

Based on their provider network, AccessOne is a smaller business compared to other healthcare financing companies. Concentrated only in the South, they pride themselves on being operated by a team of former healthcare providers—individuals who understand both sides of the system and truly want to help. With empathy and expertise, they emphasize that they will not deny credit to any applicant, regardless of your credit history.  

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  • No Application Fee
  • 0% Interest on Line of Credit

Intro to Care Payment

Based in Portland, Oregon, Care Payment was founded in 2004. They emphasize that their purpose is simply to help patients pay off their medical bills and that they are not a credit card company. In fact, they make most of their money off of the fees that health care providers pay to enroll in the program—not off of interest or hidden fees for patients.

In its 11 years of business, Care Payment has provided relief to more than one million patients. They partner with doctor’s offices and hospitals to establish a line of credit. Patients use this credit to temporarily pay for medical bills. Thus far, the company has about 500 hospitals in its network, but they are continually expanding.

Care Payment is driven by the notion that no patient should be deprived of financial help with medical bills. They assert that they understand the rising costs of out-of-pocket costs in health care and simply want to help.  

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  • Lowest APR Available: 17.00%
  • Provider Network: Not Provided
  • Online Patient Portal

Intro to Citerra Finance

Citerra Finance boasts simplicity and speed. The company has about 10 years of experience and offers medical financing to customers solely through loans (not through credit). Their loans can go toward a variety of medical procedures that you might need, including fertility treatments, cosmetic and weight-loss surgeries, and treatments for your knees or hips. They can also go toward dental procedures and Lasik.

Citerra works with several different banks, each of which funds a different kind of medical expense that these loans can cover. In many ways, the logistics of account management, loan terms, and fees are particular to the bank that Citerra has partnered with to handle your loan. 

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  • Covers Services and Equipment
  • Provider Network: Unknown
  • Home Care Options Available

Intro to Gemino Healthcare Financing

In 2007, a group of senior healthcare financing executives founded Gemino Healthcare Finance to fulfill the need for specialty financing with the focus on providing senior loans to healthcare service providers nationwide. The senior management team has over fifty years of healthcare finance experience and their team has originated more than $1.3 billion of financing commitments. Gemino has built their business model around relationship0building which has allowed them to maintain a reputation build on responsive service and a relationship-driven outlook. Solar Senior Capital Ltd. acquired Gemino in 2013. 

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  • Interest-Free Options
  • Online Patient Portal
  • Network of over 10,000 Providers

Intro to Med Loan Finance

Med Loan Finance doesn’t offer very much information in the way of their background as a company. It’s somewhat difficult to pin down when and how they got their start. In any case, though, this Kansas-based company offers flexible financing options that may just be your ticket to a peace of mind about your medical bills.

This company has partnered with Visa and MasterCard to be able to provide patients with the equivalent of a credit card with one of these two companies. As a patient, when you are approved for financing with Med Loan, you receive a medical credit card with a certain maximum. To be able to provide this, Med Loan claims employees with extensive financing backgrounds, not to mention flexibility and the willingness to work with patients who have high medical bills and less-than-stellar credit. 

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  • Financing For Company Health Plans
  • Provider Network: 116 Providers
  • No Online Patient Portal

Intro to MidCap Financial

MidCap Financial was founded in 2008 and has continued to operate as a middle market-focused, specialty finance firm. They provide senior debt solutions to companies in varying industries with a specialty in the healthcare space. They offer a number of products used to foster growth and management of capital. MidCap Financial is managed by Apollo Capital Management which is one of the world's largest asset managers with approximately $170 billion of assets under management. MidCap Financial provides market leading industry expertise, market reach, and financing synergies. 

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  • Industry Specialization
  • Free Application
  • Low Interest Rates Offered

Intro to Prosper Healthcare Lending

In 2009, Prosper Marketplace, a peer-to-peer lending agency , founded Prosper Healthcare Lending, a subsidiary intended to provide financial assistance for medical bills. This company has helped more than two million people and boasts to have funded more than four million dollars in loans.

Headquartered in Salt Lake City, Utah, Prosper Healthcare is driven by the slogan to Make HealthCare Affordable. The founders of this subsidiary have backgrounds in healthcare technology, as well as both direct lending and indirect lending.

The company is growing very quickly and already works with about 2,000 providers across the nation. Primarily, they provide loans, not credit lines or cards, and specialize in four medical industries: dental, bariatric, fertility, and cosmetic surgery. 

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  • Lowest APR Available: 6.99%
  • Provider Network: Not Provided
  • No Online Patient Portal

Intro to EasyMedicalLoan.com

Easy Medical Loan (or EasyMedicalLoan.com) is based out of Tustin, California, and is a pretty new company. It was founded in 2012 and specializes in providing loans to customers needing financing for their medical expenses. While they don’t offer any credit financing (such as a line of credit or a medical credit card), their loans can be used for a variety of medical treatments. These include but are not limited to cosmetic surgeries, vision enhancement, and even veterinary expenses.

One way in which this company stands out among others is that it provides financing even for customers who have poor credit or no credit. Though it has its fair share of both pros and cons, this characteristic does make it unique and very useful. 

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  • Lowest APR Available: 1.25%
  • Provider Network: 160,000
  • Online Patient Portal

Intro to American Benefit Credit

American Benefit Credit was originally known as American Benefit Finance but changed their company name along the way. The company is based out of Dana Point, California, and offers both loans and credit options for patients seeking financial help for medical expenses.

This company prides itself on being flexible and having low monthly payments. Their interest rates are really quite low as well. They offer financing for a wide variety of industries and boast a decent provider network of 160,000 participating facilities. Although the company provides relatively little information about their background, they do offer several appealing features for patients interested in their products. 

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  • Lowest APR Available: 5.99%
  • Provider Network: Not Provided
  • Online Patient Portal

Intro to American Medical Loans

American Medical Loans is exactly what it sounds like—a company that provides loans for people who need help paying off medical expenses. The grand thing about these loans is that they can be used for any medical expense.

Essentially, when you apply for a loan from American Medical, you’re asked to estimate your credit score. The company has options for people with the full gamut of credit histories—even those with a score below 620. 

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