Fast personal loans for medical expenses

A medical loan through Upstart is an unsecured personal loan you can use to pay medical costs, out-of-pocket balances, or non-covered procedures. Personal loans through Upstart typically have APRs range from 6.2% to 35.99%², with term options of 3 or 5 years, and loan amounts range from $1,000 to $75,000⁴. 

Medical credit cards may offer promotional 0% interest periods, but rates can be high if the balance isn’t paid off in time. A personal loan through Upstart offers fixed rates, predictable monthly payments, and a clear payoff timeline, which can make it a more manageable option for larger medical expenses.

A medical loan can be used alongside your health insurance to help cover out-of-pocket costs like deductibles, copays, or services not fully covered. Once you know what your insurance will pay, you can use a personal loan through Upstart to help cover the remaining balance, so you can manage medical expenses with predictable monthly payments.

A personal loan through Upstart can be a good way to finance medical bills. It provides fixed, competitive rates, predictable monthly payments, and a clear payoff timeline. Through Upstart, you can check your rate in minutes with no impact to your credit score⁵ and explore options that may help you manage medical bills more confidently.

A medical loan—typically a personal loan used for healthcare costs—can be used for a wide range of healthcare expenses, including surgeries, dental work, fertility treatments, and other medical procedures. You can also use it to cover related costs like follow-up care or unexpected medical bills, helping you manage expenses with predictable monthly payments.