I think my insurance is going to approve me but I want to have a backup plan just in case they don't. Can some of you who were self pay and took out loans tell me the terms of your loan? Like how long its for and what is your monthly pmt? Was anyone able to get a 10 year loan? Most of the ones I have seen are 5 year loans which comes to a payment of about $350/month and I cannot afford that. Any other options?

Thanks.

If you do a search on self pay, I'm betting you will get some ideas from past threads... but here are a few

401K loan

HELOC on your home

Capital One CARE CREDIT

Win Lottery

I was self pay. We refinanced our home to cover the cost.

I used a 0% credit card for mine. I think Capitol One has a medical program they give credit for, you might want to check them out.