Medical Loans for Bad Credit

Because a medical emergency shouldn’t ruin your finances.

Nobody plans for a trip to the emergency room. But when an unexpected medical expense hits—and you’re already stretched thin—it can feel overwhelming. If you’ve received a hospital bill you can’t pay and don’t have great credit, getting help isn’t always easy. That’s where RISE comes in.

We offer medical loans for people with less-than-perfect, designed to help you manage emergency expenses. Whether it’s an ER visit, surgery, or a stack of surprise bills, we’re here to help you move forward—with support, transparency, and fast funding.

For many Americans, one unexpected expense can lead to financial instability. Medical bills are one of the leading causes of debt—and for people with poor credit, the options can feel limited. At RISE, we believe your health shouldn’t be held hostage by your credit score. We’re committed to helping people get the support they need when it matters most.

What Is a Medical Loan?

A medical loan is a type of personal loan used to pay for healthcare costs that insurance doesn’t cover—or to help when you're uninsured altogether. These loans can bridge the gap between your treatment and your bank account, especially during a health crisis.

You can use a RISE medical loan to cover:

• Emergency room visits
• Surgeries or hospital stays
• Specialist appointments or diagnostic tests
• Urgent dental work
• Prescription medications
• Medical equipment or home care
• Mental health treatment
• Physical therapy and recovery costs
• Medical transportation or ambulance bills

Whether you're recovering from a car accident, facing an unexpected diagnosis, or managing a chronic condition, a medical loan can give you the financial breathing room to focus on healing—not on bills.

Traditional banks often won’t approve loans unless you have good to excellent credit. But at RISE, we know a low credit score doesn’t tell the full story. We look at your broader financial picture and may provide options when others won’t.

Why Choose RISE?

When you’re dealing with a medical crisis, you don’t have time to jump through hoops. We make it simple:

• Fast Access to Funds: If approved, get money in your account as soon as the next business day.*
• No Perfect Credit Needed: We consider more than your credit score and work with borrowers that other lenders won’t.
• Clear, Transparent Terms: Know what you owe, when it’s due, and how payments work—no surprises.
• Credit-Building Potential: On-time payments are reported to major credit bureaus, helping you build credit over time.
• Flexible Repayment Options: Choose a repayment plan that fits your budget and timeline.

Many customers come to RISE when they’ve exhausted other options. We’re proud to provide a straightforward, supportive experience that helps people take control of their financial situation—even during difficult times.

How a RISE Medical Loan Works

1. Check Your Eligibility – Without affecting your credit score. **
2. Apply Online – It’s secure and takes just minutes.
3. Get Funded Quickly – If approved, receive funds as soon as the next business day.*
4. Use It Your Way – Pay for medical bills, prescriptions, dental care, or anything else health-related.
5. Repay Over Time – Choose a repayment schedule that works for your budget.

Struggling With Medical Bills?

Medical debt is one of the most common reasons people struggle financially in the U.S. Even with insurance, high deductibles and unexpected costs can pile up fast. If you’re facing:

• A bill from an emergency room visit
• An ambulance ride you didn’t expect
• A procedure you couldn’t delay
• Collections notices from a medical provider

A RISE medical loan can help you cover the gap and protect your credit from further harm. More importantly, it gives you the freedom to focus on your health—not just your bank account.

Apply Today

Medical emergencies don’t wait until you’re financially ready. That’s why we’re here—to help you handle life’s surprises and move forward with confidence.

Check your eligibility in minutes—without affecting your credit score**.  

Frequently Asked Questions

Can I get a medical loan with bad credit?
RISE looks at more than just your credit score. We’re here for people who have been turned down elsewhere but need urgent financial support.

How fast can I get the money?
If approved, you could receive funds as soon as the next business day.*

What can I use the loan for?
Hospital bills, surgeries, prescriptions, dental care, diagnostics, mental health services, and other medical expenses.

Will checking my eligibility affect my credit score?
No. We perform a soft credit check first. If you proceed with the loan, a hard inquiry will follow.

Can a RISE loan help me avoid collections?
Yes. If you’re facing late fees or collections from a medical provider, a RISE loan can help you pay off the bill and avoid further credit damage—just be sure to borrow responsibly.

How do repayments work?
RISE offers structured, fixed-term repayment plans. You’ll know exactly how much you owe each month, and you can choose a payment schedule that works with your income and timing.

Is it a good idea to borrow for medical bills?
Borrowing can be a helpful solution if you’re facing a time-sensitive health situation and have no other financial options. As with any loan, you should only borrow what you can afford to repay—and always read the terms carefully.