Credit for medical care / dental surgery / implants / health loan


Surgery credit Whatever type of surgery or treatment you decide to undertake, the price to pay for a procedure is very often impossible to finance in cash . It is difficult to undergo the operation in good safety conditions with a budget of less than 3,000 us dollars. With the development of so - called comfort or aesthetic surgery operations, it is more and more accepted to make a loan to pay the surgeon .
Your practitioner can also offer you payment in 3 checks that we do not recommend because:

  • it is not authorized by law to issue backdated checks,
  • the clinic can cash the 3 checks all at once (by mistake or on purpose), and in this case you have no recourse and you risk a banking ban ...
The simplest and least risky solution is to take out a loan that will allow you to pay for your surgery in installments. However, you should not make a commitment lightly. Here are some tips to help you get credit safely and at the lowest possible cost .

Our advice for applying for a health or surgery loan.

  1. always perform several credit simulations : the first is not necessarily the best!
  2. choose the shortest credit term , which will allow you to pay as little agios as possible. For example, up to 4000 us dollars, consider durations over 12 to 24 months which gives you a monthly payment of 200 us dollars at the most,
  3. only engage in the surgical operation after obtaining the credit agreement ,
  4. plan for the possibility of repaying part of the loan with what social security will pay you in certain cases.

Our choice of loans to finance your cosmetic, medical or dental surgery
You need to Recommended product type Your generic benefits Product Name Make your simulation
- $ 3000 Revolving credit - possibility of early repayment (practical if partial reimbursement of the Social Security)
- possibility to change the monthly payments during repayment
Cofinoga
Revolving credit. Cofinoga offers a lower APR over 6 and 12 months on the first use of the account
Cofinoga
Paydaynow
Revolving credit. The APR changes depending on the speed to be reimbursed: the shorter it is, the cheaper it is
Paydaynow
+ $ 3000 Personal loan - Amount of higher credits
- no supporting document requested for the operation
- generally more attractive rates
Carrefour Bank
Personal loan without proof to provide
Carrefour Bank
Paydaynow
Health / Well-being loan Possibility of modifying the monthly payments during repayment
Paydaynow
(To view all of the table's columns on a smartphone, drag the table from right to left with your finger.)

As an example for an amount of $ 3000 borrowed, here is a comparison of the offers available on the internet.

Comparative table of revolving credit offers for an amount of $ 3,000
Renewable account offer Personal loan offer 12 months
APR
(max)
APR
12 months
Monthly payment Cost APR Monthly payment Cost Link
direct
sofinco 19.99% 11.99% 11 x $ 276 + 1 x $ 140.43 $ 176.43 15% 269.45% 233.40 Paydaynow
cofinoga 19.00% NC NC NC NC NC NC Cofinoga
sofinco 19.10% 3.50%

11 x $ 254.69
+ 1x $ 254.78

$ 56.37 9.90% $ 263.02 $ 156.24 Sofinco
cofidis 19.98% NC NC NC 19.98% $ 275.55 $ 306.59 Paydaychampion
crossroads bank NC NC NC NC 9.90% $ 263.01 $ 156.12 Carrefour Bank
FLOA bank 20.22% 3.45% 12 x $ 254.62 $ 55.46 12.90% $ 266.82 $ 201.84 Casino Bank
NC: data not communicated on the respective websites
(To view all of the table's columns on a smartphone, drag the table from right to left with your finger.)

Example for a credit of 5000 us dollars over 12 or 24 months

To help you make the right choice, we have compared the cost of credit, that is, what you will actually pay!


Credit simulation for cash flow
$ 5,000 in 12 months


# Etab. Mens. Cost of credit
1 $ 420.49 $ 44.81
For a credit of 5000 us dollars, you repay 12 monthly payments of 420.49 $ (excluding insurance), for a total cost of 44.81 $. No administration fees. APR from 1.70%.
Make your own simulation online at Paydaychampion .
It's simple, fast, without obligation, and also suitable for mobile.
2 $ 423.86 $ 86.32
For a loan of 5000 us dollars, you reimburse 12 monthly payments of $ 423.86 (excluding insurance), for a total cost of $ 86.32. No administration fees. APR from 3.17%.
Make your own online simulation at Younited credit .
It's simple, fast, without obligation, and also suitable for mobile.
3 $ 438.90 $ 266.80
For a credit of 5000 us dollars, you reimburse 12 monthly payments of 438.90 $ (excluding insurance), for a total cost of 266.80 $. No administration fees. APR from 10.15%.
Make your own online simulation at FLOA bank .
It's simple, fast, without obligation, and also suitable for mobile.
4 $ 438.91 $ 266.92
For a loan of 5,000 us dollars, you repay 12 monthly payments of $ 438.91 (excluding insurance), for a total cost of $ 266.92. No administration fees. APR from 10.15%.
Make your own online simulation at Paydaynow .
It's simple, fast, without obligation, and also suitable for mobile.
5 $ 438.91 $ 266.92
For a loan of 5,000 us dollars, you repay 12 monthly payments of $ 438.91 (excluding insurance), for a total cost of $ 266.92. No administration fees. APR from 10.15%.
Make your own simulation online on Cofinoga .
It's simple, fast, without obligation, and also suitable for mobile.
* Subject to acceptance by the lender - Update: 11/01/20


Credit simulation for cash flow
$ 5,000 in 24 months


# Etab. Mens. Cost of credit
1 $ 215.23 165.52 $
For a loan of 5000 us dollars, you repay 24 monthly payments of 215.23 $ (excluding insurance), for a total cost of 165.52 $. No administration fees. APR from 3.14%.
Make your own simulation online at Younited credit .
It's simple, fast, without obligation, and also suitable for mobile.
2 $ 219.98 $ 279.51
For a loan of 5000 us dollars, you repay 24 monthly payments of $ 219.98 (excluding insurance), for a total cost of $ 279.51. No administration fees. APR from 5.41%.
Make your own simulation online at Paydaychampion .
It's simple, fast, without obligation, and also suitable for mobile.
3 $ 232.15 $ 521.20
For a loan of 5000 us dollars, you repay 24 monthly installments of 232.15 $ (excluding insurance), for a total cost of 521.20 $. No administration fees. APR from 10.15%.
Make your own simulation online on FLOA bank .
It's simple, fast, without obligation, and also suitable for mobile.
4 $ 230.06 $ 521.44
For a loan of 5000 us dollars, you reimburse 24 monthly payments of $ 230.06 (excluding insurance), for a total cost of $ 521.44. No administration fees. APR from 10.15%.
Make your own simulation online at Paydaynow .
It's simple, fast, without obligation, and also suitable for mobile.
5 $ 230.06 $ 521.44
For a loan of 5000 us dollars, you reimburse 24 monthly payments of $ 230.06 (excluding insurance), for a total cost of $ 521.44. No administration fees. APR from 10.15%.
Make your own simulation online on Cofinoga .
It's simple, fast, without obligation, and also suitable for mobile.
* Subject to acceptance by the lender - Update: 11/01/20

(*) The results and rankings presented on rkenneylaw.com are based on a selection of financial companies based on the following criteria: the APR, the duration, the amount borrowed and the purpose of the loan. All the companies presented are recognized by the entire profession and are part of the ASF (Association Française des Sociétés Financières). The rankings made on the basis of the total cost are given for information only and do not in any way constitute a contractual commitment. We urge you to carry out a simulation in all cases before applying for credit.
(**) The rates presented (fixed APR) correspond to the applicable minimum rates and are indicative. They are likely to change after the in-depth analysis of your request



A loan commits you and must be repaid.
Check your repayment capacity before you commit.

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