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Bariatic Surgery Financing

For individuals dealing with extreme obesity, diet and exercise are often not enough. Bariatric surgery can allow such individuals to lose significant amounts of weight quickly. But the costs of bariatric surgery are frequently not covered by insurance. As a result, patients must find alternative sources of bariatric surgery financing.  LoanNow potentially represents the best available form of bariatric surgery financing.

bariatric-surgery-financingTypes of Bariatric Surgery 

Bariatric surgery allows patients to lose weight by reducing the amount of calories that they are able to consume or absorb through their digestives systems. When many people consider bariatric surgery, gastric bypass surgery is the option that often comes to mind. Gastric bypass surgery involves reducing the size of the stomach and rerouting the intestinal system to connect with the reduced stomach pouch. Lap band surgery involves placing a restrictive band around the stomach rather than reducing it in size. Lap band surgery is arguably less invasive and also allows patients to achieve significant weight loss.

Bariatric Surgery Financing Options

Bariatric surgery can be extremely expensive.  As a result, it is unlikely that patients will be able to pay for gastric bypass or lap band surgery out of pocket. For many patients without available insurance coverage, bariatric surgery financing is absolutely a necessity.

Some individuals have credit cards with sufficiently high credit limits that allow them to cover the costs of bariatric surgery with plastic. But credit cards are revolving debt, with each monthly payment reflecting the amount of charges made and interest added. In many cases, adding the cost of bariatric surgery to credit card balances could result in an ultimate cost that is much higher than the actual amount of the surgery.

Bank loans represent another option for bariatric surgery financing. Bank loans are installment loans, which mean that monthly payments actually reduce the amount of outstanding debt. Bank loans also carry lower interest rates than other types of credit. But banks often require good or excellent credit from applicants before granting approval. Bank loans can also require applicants to endure weeks of waiting to receive a decision.

The LoanNow Option 

For many patients seeking bariatric surgery financing, LoanNow represents the best option. Like bank loans, LoanNow is an installment loan, with monthly payments that can be incorporated into an overall budget. But LoanNow does not require borrowers to wait weeks for a decision. We also consider more than FICO scores in making lending decisions – which means we can say yes when many banks say no. If you’re considering bariatric surgery, why not let LoanNow take the worry of bariatric surgery financing off your plate!

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* Funds will be distributed via ACH. Most banks will post the funds to your account by the next business day. Subject to underwriting approval.

** Subject to online availability and underwriting may request additional items prior to final approval.

† Loan approvals are subject to underwriting criteria and the approval process may take longer if required items are not able to be verified online or additional items are requested.

‡ Funds will be distributed via ACH. Most banks will post the funds to your account by the next business day. One’s bank will determine when funds are actually available.

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