Pay for medical bills with a medical personal loan
Checking your rate is free and won’t impact your credit score.
Get $200 with Rewards Checking Plus
when you also open an account and direct deposit at least $1,000**
Get $200 with Rewards Checking Plus
when you also open an account and direct deposit at least $1,000**A medical loan when you need it most
Pay for your healthcare expenses with medical loans that have affordable monthly payments.
Reach Your Goals with a Personal Loan through Upgrade
Best Personal Loans
Personal loan reviews from our customers
”One of our high interest credit cards had gotten out of hand and was siphoning funds away from our savings goals. It was a responsible step for us to set up a personal loan that will be paid off in a set time period at much less interest. Because of Upgrade, I can now see our family living debt-free.”
It's quick and easy to apply for a personal loan online
Check your rate
Apply online in minutes and see your rate with no obligation or impact to your credit score.
Choose your personal loan*
Review multiple loan options and decide which offer is best.
Fast funding†
Accept your loan offer and you should get your money within a day of clearing necessary verifications.
Personal loans through Upgrade are flexible & customizable
Select an offer
Choose your monthly payment that won’t ever change and fits your budget.
Fixed Rate & Term
Pick terms that fit your timeline.
A simple breakdown of a personal loan
Get to know the rates, fees and your payback plan
If you're approved for a $10,000 loan with a 17.98% APR and 36-month term...
Your APR
The 17.98% APR includes:
Your money
You would get $9,500 deposited directly in your account
$10,000 —
$500 = $9,500
Your payments
And, each month you would pay back $343.33 over 36 months
Personal Loan FAQs
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. Medical personal loans through Upgrade are unsecured loans, meaning you aren’t required to back them up with collateral.
Why should I get a medical loan?
If you’re uninsured or your health insurance doesn’t fully cover your bills, you’ll be responsible for the remainder. This could result in medical debt, which can add up quickly. So, how do you pay for something that’s important to you when the costs are high and your insurance doesn’t cover it? A medical personal loan can be a good way to relieve financial stress, pay your medical bills, and focus on what matters most - your health.
With Upgrade, you can quickly see your rate and how much you qualify for within minutes of filling out an application online. After you accept your loan offer, you can expect to get your money within 1 business day of clearing verifications.† Plus, with a personal loan you’ll have a low fixed rate and fixed monthly payments, so you know how much to budget each month and can circle the date on the calendar when the loan will be fully paid.
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