Prosper Healthcare Lending is one of the options for people looking for a convenient and relatively inexpensive way to pay their medical bills.
The amount of such bills can be quite large and using credit cards may not be a good option due to high interest.
Therefore, patients are often looking for alternative solutions like this company.
However, it is essential to ensure that you are not dealing with a scam, so we recommend you to read this review to make the right decision.
Initial Information about the Company
Prosper Healthcare Lending has been around for more than six years, and its head office is based in Salt Lake City, Utah.
Its mission is to make medical services affordable for everyone.
However, they provide financial help only for the following:
- Bariatric treatment;
- Dental treatment;
- Plastic surgery;
- Fertility treatments.
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It is a quickly growing company that has over 2,000 providers.
Although they have minimal eligibility criteria and applying with this company will not affect your credit score, it may be problematic for you to get a loan if you have bad credit.
Although it is not indicated on their site clearly, it seems that they have requirements to your financial history.
However, this does not mean that you should not even try to apply with them.
What Do They Offer?
Since it is an online platform, you can fill out and submit your application from your home, which will take you a couple of minutes, and you will receive a response very quickly.
If you qualify, you will get the money on your bank account within three days.
The following conditions are applied for plastic surgery, bariatric or dental treatments:
- Up to $35,000;
- Up to 60 months.
If you need fertility treatment, then you can apply for a loan at the following conditions:
- Up to $100,000;
- Up to 84 months.
As for rates, for a standard 60-month loan, it ranges between 6.95% and 35.99%.
There are several factors taken into account when determining your interest rate, including your credit score, income, and others.
As for additional charges, there are no fees that you will have to pay for submitting your application because it is free.
Also, there is a relatively small late payment fee of only $15.
Customer Reviews and Ratings
prosperhealthcare.com is not accredited by the BBB, but the company has an A rating on its website.
Currently, there are no complaints about the service providers on the site of the Bureau.
According to Scamadviser, the company’s website is 100% safe and legit.
There are no reviews that you can find on this service on the Internet.
prosperhealthcare.com has been around for several years and they have reasonable conditions, though, not all medical services can be covered using their loans.
The company has a high rating by the BBB, and there are no customer complaints that you can find on the Internet.
Also, according to Scamadviser, it is a 100% safe service provider.
All in all, if you need a loan to pay some medical bills, you can apply with this company.