I'm in Florida..

Any recommendations of a better creditor to inquire with?

I have a credit score of like 570 because of a loan a family member has out on my name.

I was financed my surgery. What I had to do since the economy is so band and they are being stingy on loans was go with American General financial. They required me to put my car and my mothers car up for collateral and I only got 12000. The rest I put on credit cards.

I was looking into financing options as well. My credit is good except I have too much credit out so I am a risk. If your hospital accepts it, CareCredit is LapBands "choice" for financing. My boyfriend cosigned for me and we were approved for $16,000 (thats what I applied for) even with the tough economy. If you try a personal loan or credit card it will be hard because of the economy and the limits probably wont be very high.