Hello! So insurance is a no go for me, and I just recently decided that I would have my surgery in Mexico with Dr. Zavalza if everything goes accordingly (haven't booked yet). First I was trying get a loan, and I wondered what peoples experience was with United medical. I don't have the best credit score, it's fair, I also rent do not own a house. Did anyone use a credit card instead to pay for their surgery? Which one is better loan or CC? Thanks in advance!

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Perhaps a credit card is not the best option due to high rates. Try getting a customer loan instead, usually those have a better flat rate and much longer repayment periods (about 3-5 years). That won't stress you much.

None of us have the best credit score, according to financial institutions but it really depends how BAD is your credit score!

Perhaps a credit card is not the best option due to high rates. Try getting a customer loan instead, usually those have a better flat rate and much longer repayment periods (about 3-5 years). That won't stress you much.
None of us have the best credit score, according to financial institutions [emoji4] but it really depends how BAD is your credit score!

I'll have to look up customer loans, I've never heard of them. I just got my credit score up to a 615 a couple months ago it was a 545 ☹ lol. So we shall see. It seems it's so much easier to get credit cards than loans. I've tried applying for a loan through prosper, but it was for $8000 when I planned on getting the surgery in US. So fingers crossed higher credit and lower amount work in my favor.

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Hi,

I took a loan out with Avant. The interest rate is horrible-29%. My credit score is recovering from a layoff that led to going back to college and is a bit higher than yours, but not by a lot. I've had the same bank for 16 years, have a good job, and have my income direct deposited into my bank account. I thought I'd have no problem getting a loan with my bank. I went in and they suggested their credit card with zero interest for a year. I was declined within two hours. I'll be paying $1,500 in interest and fees which sucks, but if I don't, I'll be paying with my life.