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New Visitor
Posts: 1
Registered: ‎11-06-2007
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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?
Epic Contributor
Posts: 29,432
Registered: ‎10-23-2007
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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
Posts: 45
Registered: ‎11-21-2007
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Re: Loan with 540 FICO

Most banks won't count medical bills
Posts: 5
Registered: ‎07-19-2007
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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
Posts: 6,182
Registered: ‎03-29-2007
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Re: Loan with 540 FICO

Established Member
Posts: 36
Registered: ‎09-11-2007
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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.

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