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  1. What types of financing can I get?    
  2. How do I find a Physician?    
  3. Can you refer me to a Physician in my area?    
  4. What are your Interest Rates?    
  5. What are your credit requirements?    
  6. How do I apply and how long before you approve my application?  a  
  7. If I'm ineligible can I reapply with a Co-signer?    
  8. Once my loan is approved, where do I go next?    
  9. How long before my approval expires?    
  10. When do I have to make my first payment?    
  11. What procedures do you finance?

What types of financing can I get? provides attractive financing programs for most levels of credit. Our unique programs can offer the flexibility you need to meet your budget.

Additional Features of our loans include:   
  • Finance amounts from $1000 to $35,000    
  • We offer financing for 36 months or 60 months terms     
  • Fixed Interest rates from 8.99% to 29.99%      
  • No prepayment penalty     
  • Financing programs for multiple levels of credit

How do I find a Physician? Can you refer me to a Physician in my area? has an extensive network of participating physicians who qualify under our financing programs. If your physician is not currently a participant in our financing programs, our provider relations representatives will make the necessary contact with the physicians office and enroll them.   All you need to do is provide us with the name and telephone number of your chosen physician.

If you require a physician referral, our provider relations representatives can help make arrangements with the most qualified physician at the best price. We can make arrangement for a free consultation to meet with physicians in your area so you can make an informed decision about the physician you choose.

What are your Interest Rates?

Interest rates will vary depending on your credit background. Our standard program offers Interest rates that start at 8.99% and go up to 29.99% .

What are your credit requirements?

Credit requirements for are designed to provide the broadest range of financing options for most levels of credit. The main factor for your financing consideration is your credit profile and credit history.  If your credit profile and credit history does not initially meet the approval requirements,  you can reapply with a substitute borrower. Please feel free to contact us for assistance.

How do I apply and how long before you approve my application? prides itself in its customer service and efficiency.  Completed online applications are processed immediately and you can call our office during business hours from 7:00 am to 5:30 pm Monday thru Friday to get an answer.  You can also wait for a convenient e-mail response. In order to provide you with the most and best financing options, e-mail processing times vary depending on how many underwriters are reviewing your loan application.   If you or your doctor fax us your application we will fax an answer back to your doctor within minutes of receiving a completed application. Phone application credit decision will be made upon completing your application.

If I'm ineligible can I reapply

Yes, allows both relatives and non-relatives as substiture borrowers provided your Co-signer has  a good credit profile and history with no current delinquencies or collections.

Once my loan is approved, what is the next step?

Once you are approved, promptly call your loan consultant and provide the following three items of information:     
  • A scheduled procedure date    
  • Procedure amount    
  • Physician name (if you have not chosen a physician, please be sure to notify your loan consultant to provide you a referral)
Please make sure your loan documents are completed and returned to us promptly and prior to your procedure date. Physicians generally require payment in advance; delays may postpone your procedure date.

How long before my approval expires?

Your loan approval is either good for 30 days or for 365 days from the date of the original approval. If your procedure will take longer than 30 days to schedule, notify your loan consultant and we will make the appropriate arrangements to ensure your procedure takes place.

When do I have to make my first payment?

Traditionally, your first payment is due 30 to 45 days from the date you signed your loan documents or the date of your cosmetic procedure and is dependent upon your loan arrangements.

What procedures do you finance? provides financing for all elective medical and dental procedures. Below are examples of different types of procedures for financing. If you have a medical procedure that is not listed below, contact our office for further assistance.    
  • All Elective Medical Procedures    
  • All Elective Dental Procedures     
  • All Fertility and related procedures    
  • All Hair Restoration procedures    
  • Any Other Procedure you wish!

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All loans are made by Cross River Bank, a New Jersey State Chartered Bank. Member FDIC.

Loan amounts range from $1,000 to $35,000. No loans are offered in Connecticut, New York and Vermont. An origination fee of 5% is withheld from the loan proceeds. The Annual Percentage Rate (APR) is the cost of credit as a yearly rate. The APR offered to you will depend on such factors as your credit score, application information, loan amount, loan term, and credit history.

Medical Financing | 15303 Ventura Blvd., Suite 850 | Sherman Oaks, CA 91403
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