How It Works

Focus on the procedure, not the payment!

For over 20 years, Credit Medical has specialized in providing loans for elective medical procedures. Apply in minutes, get approved in seconds, and start focusing on the procedure, not the payment!

Apply in 3 Easy Steps


Fill out the Online Application, or call one of our representatives at 1-800-270-9290, and we will help walk you through the application process.



Sign and return your pre-approved application along with requested supporting documents, which may include:

  • Government-Issued Photo ID
  • Proof of Income and Employment
  • Banking Information Verification


Credit Medical sends payment directly to your chosen doctor or clinic, up to 4 weeks before your procedure. Haven’t chosen a doctor or clinic yet? Consult our Physician Finder, Contact Us or Apply Now.


Why Choose Credit Medical?

You or Someone you care about has decided to undergo an important medical procedure and the cost of treatment is stopping you from having it now. At Credit Medical, we understand and are here to help with affordable financial alternatives.

Once your loan is approved and finalized we pay your doctor or clinic directly up to 4 weeks prior to your treatment date. You repay us in affordable monthly, bi-weekly or semi monthly repayments. There is no need to disclose your private and sensitive medical information to an unsympathetic banker. Confidentiality and understanding are integral parts of Credit Medical’s service.

Among the advantages of financing your elective procedure with Credit Medical:

  • Fast and easy credit approval
  • Safe and secure application process
  • Assured confidentiality
  • Loans up to $20,000
  • No down payment or collateral
  • Competitive interest rates
  • Fixed payments throughout the repayment term
  • Loans are fully open and can be repaid at any time without penalties
  • Repayment terms of up to 60 months
  • Option of Monthly, Semi-Monthly or Bi-Weekly repayments

Focus on the Procedure, Not the Payment

With an easy application process, our Physician Finder of more than 4,500 doctors and clinics, and flexible financing and repayment terms, Credit Medical gives you the peace of mind to help focus on the procedure, not the payment!

Easy Application Process

With Credit Medical, it’s easy to apply and get financing for your next elective procedure. Filling out the application takes less than 5 minutes, and pre-approval takes seconds.

Physician Finder

Credit Medical’s online database of more than 4,500 physicians and clinics makes it easy to find the procedure you need and choose your physician or specialist.

Flexible Financing

With financing up to $20,000, fully open repayment terms, options to repay monthly, semi-monthly or bi-weekly, we provide financial flexibility and freedom to afford your medical treatment.

Get the credit you deserve