I'm considering surgery with Dr. Ponce and was wondering how people pay for surgery? My friend went to Dr. Ponce and I think she got bank financing. What would be a good option for someone whose credit is not that great? I took a hit to my credit after being unemployed for over a year. I've been employed full time for 2 years now but I worry if I can qualify for financing on my own, I don't have a co-signer. In insight would be greatly helpful. Thank you!

I went through Medicard...very easy to get approved. My credit isn't that great either.

Have you tried asking for an uncollateralized personal loan from your bank already? I don't think your credit has to be perfect and it doesn't hurt to try.

I am doing half and half...half from savings, half from a personal bank loan.

Be weary of those medical financing companies...you will get a approved, and the rate will seem okay, but then they add on a fee of anywhere from $500 to $1,200.

Can you try to save for a few months so you don't finance as much? I mean if you are going to be able to make the payments, can't you also save the same amount up front and not have to finance so much?

Good luck!

put away 200 a month for 3 years. Then go to Mexico

I borrowed against my 401k.

I saved like crazy! No cable, no new clothes, no going out to eat, no gifts for people, no car... Now I'm saving like crazy for PLASTICS!

Also, I used the time I was saving to begin my journey... I lost 45 pounds between the day I decided to do the surgery and my surgery date and I addressed a lot of emotional issues that I had with food.

put away 200 a month for 3 years. Then go to Mexico

Dave Ramsey fan? I don't have that kind of patience...but neither do I think it's a good idea for someone with bad credit to finance all of their surgery. But that's just my opinion...to each his own.

Thanks for the input everyone.

I went through Medicard...very easy to get approved. My credit isn't that great either.

Is Medicard only available to Canada residents? I searched it and that's all I can find.

Google medical loans or something like that. Just read all the fine print before you sign. When I was still researching Drs I looked at 4 or 5 different loan places.

I ended up putting the whole shebang on a zero per cent credit card because I knew I can pay it off within 2 or 3 months once my I R S Checks roll in. (I have 3 years worth coming, Im a procrastinator).

Good Luck

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I contemplated a few things.

My car is paid off... so the bank offered a loan using my car as collateral.

A low interest rate credit card.

Or... what I decided to do is refinance my house. Rates are so low right now that seemed like the best choice.

If all else fails,I read somewhere on here that One Main Financial (google them) offers unsecured loans.

Best of luck!

I will be using my tax refund, and I sold a car and our pop-up camper. I vote for no financing, sell stuff or save up.

401K

I knew I was going to do Wls last year, so I started a medical flex plan through my work...

I used my tsp (equivalent to 401k) for most of my surgery and financed the rest. Good luck

^{I used my tax refund and save a little more to make it up then went to Mexico.}