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Loan with 540 FICO

New Visitor

Loan with 540 FICO

My FICO is only 540 and I desperately need a loan of about $3,500 for surgery.  My insurance only covers a portion of it and I have negotiated the surgeon's fee and hospital fees considerably, but still need a bit more to make up the difference.  Any suggestions?
5 REPLIES
Epic Contributor

Re: Loan with 540 FICO

Credit Union... but even a credit union might not come down to a 540 score... I'm there too!
I'm sorry you need it for surgery though.
can you just have it done and make payments over a year or so?
Established Member

Re: Loan with 540 FICO

Most banks won't count medical bills

Re: Loan with 540 FICO

What about care credit? My siblings have used it for lasik, and my aunt for varicose vein surgery.
 
 
good luck.
Moderator Emeritus

Re: Loan with 540 FICO

Established Member

Re: Loan with 540 FICO

I would try Citi Financial.
 
They're sucky with their rates, but I think you'll be able to get a loan.