A medical loan for
when you need it most

  • Check your rate in 5 minutes.
  • Get funded in as fast as 1 business day.
  • Apply for a loan from $1,000 to $301,000
Check your rate
  • Won’t affect your credit score

Why choose NetPay for your online medical loan?

With a medical loan, you can access the funds you need for elective and emergency procedures.

A Smarter Loan

Our model looks beyond your credit score, using your education and work experience to find you the rate you deserve.

Fixed Rates and Terms

Choose between medical loans in 3 or 5 year terms, with fixed rates of 4.8% - 31.99% APR.

No Prepayment Fees

You can prepay your medical loan at any time with no fee or penalty.

Customers Testimonials

We've helped more than 1 million customers.

NetPay Advance is by far the best payday loan agency I have ever done business with. Staff are kind and polite, the time it takes to get my fund after an approval is immediate, and they are very understanding when once in a while I have to postpone my payment to future date.

Richard Scott

I have been financially stressed and needed a way out and NetPay Advance was there in a fix. I don’t care for the amount I have to pay back but it helped me catch up and now I have just the one payment to get thru.

Emma Howells

The process was very easy , doesn’t take a lot of time. I got my loan in 24 hours , time matters when you are asking for a loan. I will recommend highly to friends and family.

Paul Hill

A quick & transparent process

Apply for a medical loan online in 3 Steps

Get Your Rate

It takes less than 5 minutes to check your rate — and it won’t affect your credit score.

Get Approved

Most borrowers are instantly approved with no paperwork required.

Get Funds Fast

Once approved, you could get your funds in 24 hours or less.
Check your rate

There's no such thing as too many questions

Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. NetPay Advance, Inc., is referred to here as “NetPay.”

01. What is a medical loan?

A medical loan is a kind of personal loan that you can use for medical expenses. They are also commonly known as healthcare loans, surgery loans, or copay loans. Typically available through banks and online platforms, medical loans are often unsecured loans, meaning you aren’t required to back them up with collateral.

02. What can I use a medical loan for?

You can use a medical loan for any out-of-pocket medical costs that you’re unable to pay upfront. With a medical loan through us, you can use your funds for emergency hospital bills, planned medical procedures, and elective procedures.

Pro tip: If you already have loans for medical procedures, you could consolidate them into a single personal loan to help make your debt payments easier to handle.

03. Can I use my credit card for my medical expenses?

You can use credit cards to pay for medical expenses, but it may not always make the most financial sense. Because credit cards generally have higher interest rates compared to personal loans, using a credit card might cost you more in the long run.

Also, credit card payments can vary from month to month, making it hard to save money. Medical loans have fixed monthly payments, which means no surprises.

04. Will a medical loan lower my credit score?

When you check your rate, we will do a soft credit check to determine what you’re eligible for. If you qualify for a medical loan and you accept the offer and rate, we will perform a hard credit check to verify your information. When we perform a hard credit inquiry, your credit score will be impacted.

05. Why should I get a medical loan?

We understand that handling medical debt can be stressful and emotional, which is why we strive to make the process as easy as possible. With a medical loan through NetPay, you can also expect:

  • No prepayment penalty
  • Quick rate quote
  • Predictable monthly payments
  • Simple online application
  • Fixed interest rates
  • Direct deposit for funds

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Other Personal Loan Options

NetPay Advance is a state-licensed direct lender. See our rates and terms page for more information. In Texas, NetPay Advance is a state-licensed credit access business (CAB) and maintains a partnership(s) with a state-licensed direct lender(s) to facilitate safe and secure loans for our customers.

With an eligible debit card provided, all customers can access instant funding.

By submitting your information you understand and agree to our Privacy Policy and Terms of Use

Short-term Loan 14-day APR Range: 2731.07% – 514.29% APR varies per state regulations. Failure to make timely payments may result in NSF or late fees. If your account becomes severely delinquent, it may be turned over to a 3rd party collection agency which could impact your credit score. Loans do not automatically renew without prior approval. If you renew or “rollover” your loan, your principal balance may not be reduced and you will owe additional fees and/or interest.

Customer Notice: Short-term advances should be used for short-term financial needs only, not as long-term financial solutions. Customers with credit difficulties should seek credit counseling.

California residents: By using this site you acknowledge disclosure of your rights under the California Consumer privacy protection act of 2018 as disclosed in our California Resident’s Privacy Policy Addendum. NetPay Advance, Inc. is licensed by the California Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law and California Debt Collector Licensing Act. License Number: 10977-99.