Financing???

How did you self payers finance your surgery? I'm trying to decide if I want to finance through my credit union,my bank or finance through Mexico at their office.I worry about the interest rate and if we will be getting approved. I really dont care the interest rate I just want to get approved for the right right thing.Trying make sure I do the right thing without jeoperdizing my credit scores. I'm hoping to try to go in September./October.We shall see.Thanks

I would suggest using your credit union.. I have heard the finance companys can be hard to deal with and they will charge all kinds of fees.. I personally used my tax return, but did try some of the finance companys and they gave us the run around.. Hope this helps..

How much do you need to finance? Those finance companies are not for a lot of money. If you need a higher amount, you should probably go through your credit union.

Its $8500 dollars,yoor right I may do that if they approve me.Thanks

I used LendingClub.com.  I read about them at some point on the forums.  The way it works is, you post the amount you need (ask for a bit more, because of the loan origination fee) and what it's for, and it's posted for 2 weeks.  Investors then add a little bit here and there to "fund" your loan. 

I thought there was no way that we would get fully funded, because I was asking for an amount equal to 3 surgeries (for me, my hubby and mil).  But the last day or 2 the investing really picked up and we got the full amount we asked for.  We're paying a higher interest rate, but don't mind so much since I plan on paying it off pretty quick. 

I checked around at first to make sure the site was legit, since I had never heard of them or their type of loans.  But all it is, is people can invest in loans that they choose and get a higher rate of return than in traditional ways.  Many investors only chipped in $25 each, so there is a lower risk to them.

-Nancy

too risky,I think I'm just going to use my tax refund that way I wont have to borow as much and feel more comfortable borrowing through someone I know .Plus I am working on my credit scores so hopefuly by then i can get a good loan offer .Thanks