I am set up for surgery in Jan 2015 and have been approved for financing with Citerra. My credit score isn't great, but its not bad either. I make decent money and was approved within 2 hours.

This morning, I got the paperwork today to sign and am SUPER bummed because the financed amount has basically doubled!

My procedure is going to cost $4600...but after the $800 fee from Citerra (to use them I guess) and another $2000 fee for 'Provider Adjustment Amount'- I am now looking at a $7300 loan!!! Yikes.

I just called a local credit union and applied for a personal loan through them and should hear back today. However, I am super nervous. I hate applying for credit because it lowers your score (and mine is so fragile!).

If I don't get the loan from the credit union, I am still going to go forward with Citerra, though. Am I stupid? I hope not.

Anyhow, I figure this post may help someone who is considering applying with them. Its always nice to know things upfront!

I took a loan for $3800 and with the crazy terms, I am paying back a $5k. But that is only if I get it paid off in the 12 month period. If not, then it shoots up to over $7,000. There was a "finders or middleman" type of fee that jacked it up but my credit wasn't that good. I will say that they are reporting my timely payments on my credit so that is helping as well.

I knew it was a horrible deal but I have no regrets.

@@LezzieLez I completely understand. I honestly would have taken the loan if I would not have decided to just use almost all of my savings. There is a limit that everyone gets to with their weight and once that decision is made, we find a way to get it done!