Secure Bariatric Financing Now
Between $500 and $25,000

Bariatric Financing

Bariatric surgeries and procedures are necessary for individuals who are significantly overweight and prior efforts to lose weight with diet and exercise have been unsuccessful. Such weight loss surgeries are major life changing procedures and can also help reduce your risk of weight-related health problems such as type 2 diabetes, high blood pressure and sleep apnea. United Medical Credit can help you jump start your road to success.

United Medical Credit offers bariatric financing for a variety of procedures including but not limited to:

  • Lap Band Surgery
  • Gastric Bypass
  • Mini Gastric Bypass
  • Adjustable Gastric Band Placement

United Medical Credit offers loans of up to $35,000 for bariatric procedures with the following benefits:

  • Affordable monthly payments
  • Competitive interest rates
  • No prepayment penalty
  • Multiple loan term plans to choose from
  • Interest free financing options (on approved credit and provider participation)

United Medical Credit Proudly Offers Bariatric Surgery Financing

Affordable bariatric surgery and the body you’ve always dreamed of are in within your reach!


Why Finance Bariatric Surgery Procedures?

United Credit offers bariatric surgery financing through our online lender network to help make losing weight more affordable than ever before.

UC patient loans make financing your bariatric surgery easier and more affordable than you ever imagined. Our patient financing is a great solution for people who:

  • Want to defray the typical costs of gastric sleeve surgeries and other options for weight loss procedures
  • Need to safeguard their personal finance goals, save money, protect their savings accounts or retirement nest eggs
  • Have had their bariatric procedure preapproval denied by their health insurance company

At UC, we don’t think your finances should be a barrier to the life you deserve. That’s why each of our medical loans are designed with a payment plan which fits your budget and lifestyle while still helping you achieve the weight loss you’ve always dreamed of. Click here to start a bariatric loan application and see how easy it can be to save money while still getting the surgery you need to get your life back!

What Are the Benefits of Bariatric Surgery Financing?

Weight loss surgery financing can help you regain your health and an active, joyous life. By spreading the cost of your procedure over time, financing for bariatric surgery offers a huge positive impact on your health without jeopardizing your long-term financial goals. Here are just a few reasons why United Credit’s bariatric surgery financing options may be the right choice for you!

  • Never any prepayment penalties
  • Loan amounts from $1,000-$25,000, with approval as soon as the next business day
  • Our network of bariatric surgeons and surgery centers assures you can find a qualified physician who will accept your financing without difficulty, or we’ll help enroll your preferred surgeon!
  • Our network of medical financing companies has a loan option and monthly payment plans which are right for you and your family
  • No worries about whether your insurance plan will cover your surgery cost or hassling with your insurance provider
  • No worrying about how your surgery provider will get paid—our lenders make sure the money transfer is taken care of so you can take care of yourself

Will My Bariatric Financing Cover the Procedures I Need?

Unlike an insurance company, which can restrict the types of weight loss procedures they’ll cover, you can use your loan from UC’s lender network for any costs related to your procedure.

Doesn’t My Health Insurance Company Cover Bariatric Treatments?

Health insurance is a wonderful thing, and it can offer a lot of peace of mind. However, insurance companies stay in business by restricting the services they pay for and limiting their financial obligations while spreading the risk among a large pool of customers. For these reasons, it’s not uncommon for insurance companies to refuse to pay some, all or any of the cost of bariatric surgery, leaving their customers on the hook for huge medical bills. Here are just some reasons insurance companies give for not covering weight loss procedures.

  • “It’s not medically necessary.”
  • “You don’t meet the criteria for this surgery at this time.” Ironically, oftentimes the criteria they expect to see, such as asthma, diabetes, sleep apnea or heart conditions, could be avoided altogether if the patient simply had the surgery.
  • “Your plan only covers specific types of bariatric surgery, which are not the one your physician believes would be most efficacious.”
  • “Your doctor hasn’t provided us all the documentation we require to verify you actually need this procedure.”
  • “Your policy only covers eighty percent of the procedure up to a preset limit, after which you’re on your own.”

At UMC, we think decisions about your care should be up to you and your physician, not an actuary or insurance underwriter. That’s why we offer bariatric surgery financing options to fit just about any budget or need. Click here to start your application and experience the UC difference for yourself today!

The start to the new body and life you’re dreaming of is only a few clicks away. Start your bariatric surgery financing application today!


Q: Can I finance bariatric surgery?’

A: Yes! United Credit works with a network of lenders to help you find gastric bypass financing, as well as loans to help defray the costs of other bariatric modalities and medical equipment, including but not limited to gastric balloon, gastric banding and other bariatric procedures.

Q: Can I buy insurance to cover bariatric surgery?

A: While it is technically possible to get insurance to cover bariatric surgery, if your employer’s group health plan doesn’t specifically include bariatric surgery and associated care as benefits, you will likely not be able to get an insurance company to cover it. Even if your carrier does offer bariatric benefits, there are a number of ways they may either deny your claim or reimburse you for far less than you expect. Ironically, it’s best not to pin your hopes for a healthier life on your health insurance provider.

Q: How much do you have to weigh to get bariatric surgery?

A: Your weight is only part of the equation to determine whether you are a candidate for bariatric surgery. Your Body Mass Index, or BMI, is actually one of the key determining metrics. To calculate your BMI, take your weight in pounds divided by your height in inches squared, and then multiplying by 703, like this

(lbs/[in^2])*703 = your BMI

Once you know your BMI, you can talk to your doctor about whether bariatric surgery may be an option for you.

*Applications submitted on this website may be funded by one of several creditors. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates (“APR”) may vary based upon the creditors scoring and underwriting system’s review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees may apply. Loans are offered from $500 to $40,000, at rates ranging from 2.99% to 35.99% APR, with terms from 12 to 60 months. A $10,000 loan with an origination fee of 6% for a period of 24 months with an APR of 24.0980% may have a payment of $529.20 per month (actual terms and rate depend on credit history, income and other factors). The total amount due under the loan terms provided as an example in this disclaimer includes the origination fee financed in addition to loan amount, which is $12,700.80.