Question:
Anyone know of any LOANS for WLS?

Hi All, I was wondering if you could supply me with any information about applying for a loan for this procedure. Unfortunately, I am not covered under my insurance plan, so I have opted to go to Spain to get the LapDS. I have guesstimated that everything will probably come to about $20,000 USD. However, at this time, I only have about half of this. Do you know of any banks or federal programs that would give me a loan even though I would be getting this done overseas? Also, I have no credit line! Will this effect my ability to even apply for one? I would greatly appreciate any info, advice or links you could provide. Megan    — Megan R. (posted on January 18, 2003)


January 18, 2003
I think before you apply for, or look for a loan, you need to be sure of the costs. I think your guesstimate may be low??
   — GPoynor

January 18, 2003
Sweetie-For 20 thousand dollars--skip Spain and come to Delaware--I know they'll give you a cash price. With insurance--the BILLED amount didn't hit that amount..and of course contracted much lower. I was an open RNY who spent 3 nites in the hospital--private room in November 2002. Keep the emotional comfort of being stateside, and hearing your native tongue spoke to you when you wake up. Do you own a home? You could run a home equity loan for this if there is no room on your credit card. Additionally, there are TONS of loans available for anything--but beware HUGE finance charges apply.
   — Wannabe A.

January 18, 2003
Its called Finance Your Healthcare....... Easy financing by PFS( personal financial solutions) 100% Financing, no money down, on-line decisions in 20sec/15 mins fax decisions, loan terms up to 7 years, unsecured loans from 800.00 to 25,000.00, no pre-pay penalty, 3-6 months deferred payment plans, 3-6 months same as cash payments plans, interest rates start at 12.99% You can log onto their web site at www.P-F-S.com or call a guy named Richard 1-888-737-3679. But you have to use one of these peoples providersI know dr ash and dr souza in ga is one their nuber is 18774278742. hope this helps or gets you on the right path. If I were you I would stay in states. celeste
   — sunshineinjaxs

January 18, 2003
Try Patientfinance.com. I thoughgt PFS was too secretive about everything. They weren't too forthcoming about finance charges,etc. I think both finance thru MBNA anyway.Good LUck.
   — susan P.

January 18, 2003
You can take out a personal loan. I went to www.lendingtree.com, where you fill out the info and up to four creditors will make you an offer if you meet their qualifications. I ended up getting approved for $12000.00 thorugh MBNA for my plastic surgery. It was quick and easy. Good Luck!
   — PaulaM

January 18, 2003
WHile researching the lap-band, I reviewed Inamed.com, the site for the company that makes them... well, they have a link to a financing company specifically for WLS. I don't know the details, but I imagine they would finance for any type of WLS. Just go to Inamed's site, and look under costs and paying for surgery.
   — Kelly B.

January 18, 2003
I have only a year of credit history in the US and found it impossible to get an unsecured loan. Capital One does have a medical loan though if you want to try. For around 9-10k you'd be better going to Mexico. Two of the best Lap Band surgeons in the world are there..one in Monterrey one in Tijuana. The one is Tijuana picks you up at San Diego airport and charges around 8,500 for everything. They are both listed as Lap BAnd specialists and have practiced medicine in the US at some point.
   — Yvonne E.

January 18, 2003
I have an idea---- How bout your 401k or your husbands' 401k. You pay your self back and can get the $ in a matter of days.. Thats probably what I will do if I end up being a self pay..
   — Nickie C.

January 18, 2003
How about getting a part time job at home depot or something similiar that covers surgery. Saves a ton of money and elminates te risk complications could bankrupt you.
   — bob-haller

April 18, 2003
I paid $6,500.00 total for my Open-RNY with Dr.Aguirre in Ensenada,Mexico on 3-27-03. Please read my profile for all the details.
   — latrishanickle




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