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Medical Loans

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We are performing maintenance and are in the midst of scheduled downtime. We appreciate your patience and understanding. As always, if you have questions, please reach out through the Help Center.

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Get the treatment you need, with a lender you can trust

Unexpected medical expenses are one of life’s most challenging financial costs to bear. A low-cost Earnest personal loan can help you afford necessary treatments without unnecessary fees.

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Radical repayment flexibility for your loan

  • Choose your preferred monthly payment
  • Increase your payment amount anytime

  • Make extra or early payments without fees
  • No origination fees or anything-else fees

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An experience designed for savings & satisfaction at every step
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We evaluate extra data beyond your credit score, like your savings habits, education, and earning potential. This helps us build a better picture of your full financial profile so we can offer you the lowest possible rate.

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You will receive a prompt response to your personal loan application. Read our eligibility guide for more on how we evaluate your application.

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You'll always reach a real human, whether you're seeking answers by email or phone.

"Other lenders wouldn't trust my short credit history. But you guys got the full story about where I’m at and why I need [a loan]."

Monica C., Speech Pathologist

Preview Your Personal Loan Options

The chart below displays the range of options for APR, monthly payments, and total payments based on a hypothetical $10,000 personal loan. Your own interest rate will depend on the term you choose, as well as your financial profile. Visit our eligibility page to see our eligibility criteria for personal loans.

Term Origination Fee Rate (Fixed APR) No. of Payments Monthly Payment Total Payments
3 Years None 5.99% - 13.74% 36 $304 - $341 $10,950 - $12,259
4 Years None 6.49% - 15.74% 48 $237 - $282 $11,381 - $13,540
5 Years None 7.24% - 17.24% 60 $199 - $250 $11,949 - $14,989

Money for life's biggest moments

Paying for medical costs is a popular use for personal loans—but Earnest clients use their funds for all kinds of occasions. From credit card consolidation to weddings to honeymoons, an Earnest personal loan can help you afford all of life’s major expenses.

Read More About Earnest Personal Loans