Medical bills
Pay providers in full, avoid collections, and consolidate medical debt at one fixed rate.
Why a Nationwide loan for medical bills.
Start with a specialist call. Fixed rates from 8.99% APR. Zero origination fees. Funds in your bank as soon as the next business day. We don’t pull your credit just to give you a quote — a specialist reviews your details first and walks you through your real options.
Fixed monthly payment
One predictable bill, never higher than the day you signed. Compare that to a credit card that re-prices itself.
$0 origination fees
What you borrow is exactly what you pay back, plus interest. Zero hidden costs at any step of the process.
Funded next business day
From the moment your specialist gives the green light, funds land in your bank account as soon as the next business day via ACH.
How a personal loan handles medical debt
Provider bills are often negotiable and many hospitals offer an interest-free payment plan, but those plans can still go to collections if a payment slips, and they rarely cover bills from several providers at once. A personal loan lets you pay each provider in full now, which sometimes earns a prompt-pay discount, and folds everything into one fixed monthly payment.
Paying a balance in full also pulls the account out of the collections pipeline before it can land on your credit report. The loan does not care which provider the debt came from, so an ER visit, a specialist, and a lab bill can all be covered together.
Three providers totaling $9,000, paid in full today, become a single 36-month payment of about $312 at 14.99% APR. Ask each billing office about a pay-in-full discount before you settle up; it can lower the amount you actually need to borrow.
Common questions
Should I try a hospital payment plan first?
Often yes, especially if it is interest-free. A loan makes more sense when you have several bills, the plan terms are short, or you want to remove the collections risk.
Can you pay the provider directly?
We fund your account and you pay the provider, which keeps you in control of any discount you negotiate.
See your rate in dollars.
Slide to see the monthly at our best-case APR (8.99%, excellent credit). Final rate ranges 8.99%–35.99% based on your credit profile. No credit pull to estimate.
Find out in 2 minutes.
No credit pull at quote stage. A specialist walks you through your rate. Then you decide.
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