"What legitimate medical loans...

Sunshine Will Be
Skinny !
on 6/13/09 8:03 am, edited 6/14/09 7:49 am

For those of you who had Dr. Alverez or I guess anyone can answer. What Medical Loans did you get? He lists Cosmeticredit and MedChoice on his website. Has anyone used these companies and had a good experiance? 
And what about these companies? Good or bad or stay away from them? 
APFUSA 
Capital One Healthcare Finance 
Care Credit 
Citerra Financial 
Credit Medical 
eFinancing Solutions 
Medloan Finance 
Reliance Medical Finance 
SurgeryLoans.com 
Are any of the above legitamet?
Thanks

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I am 5'5"

Steph35
on 6/13/09 8:19 am

I didn't use Dr Alverez, but I financed most of the cost of the surgery.

I applied with ALL of the above companies and found that SurgeryLoans was the only one that could get me loans for out of the country (Dominican Republic), Mexico might be different.

I used SurgeryLoans.com........RIPOFF. They charge VERY high fees to get you loans, lie about who is keeping the "fees", then the bank charges very high interest rates.

Capital One I heard shut down their healthcare loans.

I have loans with
MedChoice
Highland Premier Bank

I also have MedMoney (Cosmeticredit, only used in the US) that I will use if I need to see a bariatric doctor anytime.

I needed the money to get the surgery, the loans are the only thing I regret about having surgery.

Sunshine Will Be
Skinny !
on 6/13/09 8:22 am, edited 6/13/09 8:28 am

VSG on 02/14/11 with

#

Follow my Journey on YouTube: http://www.youtube.com/user/SunshineWillBeSkinny
and my Blog:
http://www.sunshinewillbeskinny.blogspot.com
I am 5'5"

:: libguy ::
on 6/13/09 9:04 am

VSG on 07/08/09

I'm using SurgeryLoans now and I agree, they do rip you off. They're charging I believe around $750 in fees just for going through their site. The interest rates they gave us were 0% for the first 6 months, and then 11% after that.

And for some reason, SurgeryLoans applied us for a MedChoice card. They didn't even tell us they were doing it! So now I have a MedChoice card for $7000 that I don't plan on using and my co-borrower has one for $2500. I repeat, we did not even know they were signing us up for this. Kinda shady stuff going on there. But whatever, as long as I get the surgery, we'll deal with the rest.

whill712
on 6/13/09 11:15 am - Metairie, LA

VSG on 02/12/09

I used Care Credit, no fees. Interest rate is about 14%, but I was told that medical loans are risky because they cannot be collected if you default, so I couldn't get a better rate anywhere. No hassles, I applied online was immediately accepted and they sent a card in the mail.

10 lbs lost preop.

pippin
on 6/13/09 3:48 pm, edited 6/13/09 3:49 pm - Baltimore

VSG on 04/07/09

I did not use any of those, but I did apply for a couple. I will just say to be VERY careful about applying with a company someone suggests online. I applied to one someone on this board suggested to me and it was a SCAM.

Good luck with getting your financing!

"It is a mistake to think you can solve any major problems just with potatoes." - Douglas Adams

VSG on 4/7/2009. Weight at surgery- 341 lbs. Weight lost- 150 lbs. Weight regain- 70 lbs. Current weight 260 lbs. Seeking a revision to the DS.

Sunshine Will Be
Skinny !
on 6/14/09 7:45 am

VSG on 02/14/11 with

Thanks,
I am desperate to find funding but I don't want to end up in any kind of scam. So I guess maybe I should rephrase my question to say "What legitimate loans have you all taken out for surgery with Dr. Alveraz?

Follow my Journey on YouTube: http://www.youtube.com/user/SunshineWillBeSkinny
and my Blog:
http://www.sunshinewillbeskinny.blogspot.com
I am 5'5"

cassieluvscamarieon
on 3/7/14 6:36 am - vancouver, WA

MJ were they able to provide good rates with your loan?

happyteacher
on 3/7/14 8:38 am

VSG on 12/19/11

I used CareCredit for my plastic surgery without incident. Just make sure you understand the terms. My doc required me to pay interest up front based on how long I chose 0% financing for... it had something to do with the fee he was charged depending on the terms. It wasn't too much, under $75 if I remember correctly.

Surgeon: Chengelis Surgery on 12/19/2011 A little less carb eating compared to my weight loss phase loose sleever here!

1Mo: -21 2Mo: -16 3Mo: -12 4MO - 13 5MO: -11 6MO: -10 7MO: -10.3 8MO: -6 Goal in 8 months 4 days!! 6' 2'' EWL 103% Starting size 28 or 4x (tight) now size 12 or large, shoe size 12 w to 10.5 150+ pounds lost

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Racewalker48
on 3/7/14 9:01 am

RNY on 02/17/14

I have used Care Credit for vet bills, eye glasses and dental work. I took advantage of the promotional offers (6 or 12 months same as cash) and saved a lot in interest. I applied on line, got instant approval and got a card in the mail.

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