Credit for medical care / dental surgery / implants / health loan
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 ...
Our advice for applying for a health or surgery loan.
- always perform several credit simulations : the first is not necessarily the best!
- 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,
- only engage in the surgical operation after obtaining the credit agreement ,
- plan for the possibility of repaying part of the loan with what social security will pay you in certain cases.
| 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 |
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 | |
 | 19.99% | 11.99% | 11 x $ 276 + 1 x $ 140.43 | $ 176.43 | 15% | 269.45% | 233.40 | Paydaynow |
 | 19.00% | NC | NC | NC | NC | NC | NC | Cofinoga |
 | 19.10% | 3.50% | 11 x $ 254.69 | $ 56.37 | 9.90% | $ 263.02 | $ 156.24 | Sofinco |
 | 19.98% | NC | NC | NC | 19.98% | $ 275.55 | $ 306.59 | Paydaychampion |
 | NC | NC | NC | NC | 9.90% | $ 263.01 | $ 156.12 | Carrefour 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 | ||||||||
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
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