If you’re seeking the best medical loans in the U.S. for 2025, whether for elective procedures, emergency treatments, or consolidating existing medical debt, here are some top options tailored to various credit profiles and funding needs.
🏆 Top Medical Loan Providers in the U.S. (2025)
1. LightStream
- Loan Amounts: $5,000 – $100,000
- APR: 6.94% – 25.29% (with autopay)
- Credit Score: Minimum 700
- Funding Speed: Same-day (if approved by 2:30 p.m. ET)
- Highlights: No fees (no origination, late, or prepayment fees), 0.50% rate discount with autopay, rate-beat program to lower your rate by 0.10% if you find a lower rate elsewhere .
2. SoFi
- Loan Amounts: $5,000 – $100,000
- APR: 8.99% – 29.99%
- Credit Score: Minimum 680
- Funding Speed: 2–7 days
- Highlights: No fees (no origination, late, or prepayment fees), flexible repayment terms, and additional member benefits like career coaching .
3. Upstart
- Loan Amounts: $1,000 – $50,000
- APR: 6.70% – 35.99%
- Credit Score: Minimum 620
- Funding Speed: As fast as 1 business day
- Highlights: Considers education and employment history in addition to credit score, no prepayment fees, and quick funding .
4. LendingPoint
- Loan Amounts: $1,000 – $36,500
- APR: 7.99% – 35.99%
- Credit Score: Minimum 600
- Funding Speed: Same-day
- Highlights: Offers longer repayment terms (24–72 months), suitable for borrowers with fair credit .
5. Discover
- Loan Amounts: $2,500 – $40,000
- APR: 7.99% – 24.99%
- Credit Score: Minimum 660
- Funding Speed: 1–3 days
- Highlights: No origination fees, no prepayment penalties, and flexible repayment terms .
6. Avant
- Loan Amounts: $2,000 – $35,000
- APR: 9.95% – 35.99%
- Credit Score: Minimum 580
- Funding Speed: Next business day
- Highlights: Suitable for borrowers with less-than-perfect credit, quick approval process .
🔍 Comparison Table
| Lender | Loan Amounts | APR Range | Credit Score | Funding Speed | Best For |
|---|---|---|---|---|---|
| LightStream | $5K – $100K | 6.94% – 25.29% | 700+ | Same-day | Excellent credit, large loans |
| SoFi | $5K – $100K | 8.99% – 29.99% | 680+ | 2–7 days | High loan amounts, member perks |
| Upstart | $1K – $50K | 6.70% – 35.99% | 620+ | 1 business day | Quick funding, alternative criteria |
| LendingPoint | $1K – $36.5K | 7.99% – 35.99% | 600+ | Same-day | Fair credit, longer terms |
| Discover | $2.5K – $40K | 7.99% – 24.99% | 660+ | 1–3 days | No fees, flexible terms |
| Avant | $2K – $35K | 9.95% – 35.99% | 580+ | Next day | Less-than-perfect credit |
💡 Tips for Choosing the Right Medical Loan
- Credit Score: Higher credit scores generally qualify for better rates. If your score is below 600, consider Avant or LendingPoint.
- Loan Amount: For larger medical expenses, LightStream and SoFi offer higher loan limits.
- Funding Speed: If you need funds urgently, Upstart and LendingPoint provide quick access.
- Fees: Look for lenders with no origination, late, or prepayment fees to minimize costs.
- Repayment Terms: Choose a loan with terms that fit your budget to ensure manageable monthly payments.
If you need assistance comparing specific offers or understanding loan terms, feel free to ask!