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FINANCING Bariatric surgery from $89/month · $0 down for many patients · soft credit pull Apply for financing →
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Financing · same-day approval

Surgery as low as $89/month. Approval in minutes.

$0 down for many patients. Same-day approval. Soft credit pull (won't hurt your score). We hold our own loans — so the terms you see are the terms you get. No third-party games, no surprises.

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Soft credit pull Same-day decision $0 down available No prepayment penalty
Monthly payment estimator

Your estimated payment

$132/mo
48 months · APR ~14.9%
$4,900
$500$2,500$4,900$6,500
$0
Apply with these terms

Estimate only. Final rates depend on credit profile and approved terms. Soft credit pull will not affect your score.

3 steps

How financing actually works.

Our process is built around one principle: tell you the truth about your terms before you commit. No bait, no rate creep, no hidden fees.

1

Apply (5 minutes)

Submit your application — name, basic income, the procedure you're considering. We do a soft credit pull, which doesn't affect your score. Most decisions return within hours.

2

See real terms

You see your actual approved amount, monthly payment, APR, and term length — before you commit to anything. If the terms don't work for you, no obligation, no hard pull, no harm.

3

Lock in & book

Accept the terms and we lock in your surgery date. Many patients pay $0 down and start surgery within 2–4 weeks. Your monthly payment begins after you're back home.

Two paths

In-house, or our trusted partners.

We hold our own loans for many patients — which means we set the terms, we approve them, and we never sell your debt to third parties. For larger balances, we partner with established medical lenders.

In-house · most popular

Pompeii Direct Financing

From $89/mo

We hold the loan. We set the terms. Same-day approval, often $0 down, and built specifically for our patient base. Most flexible for less-than-perfect credit.

  • Soft credit pull — won't hurt your score
  • $0 down available · avg down payment $1,800
  • Terms 12–60 months · no prepayment penalty
  • Approval often same day, sometimes same hour
  • We never sell your debt to collections agencies
Partner lender

United Medical Credit

For larger balances

An established U.S. medical financing company. Useful for patients with strong credit who want longer-term financing or larger total balances (e.g., bariatric + plastics).

  • Multiple lender network
  • APR varies by credit profile
  • Terms up to 84 months
  • Best for credit scores 650+
  • Hard credit pull required for final approval
Who qualifies

The honest credit picture.

We work with a wider credit range than most U.S. financing — but we're also honest about who gets what terms. Here's the actual breakdown.

720+
Excellent
$0 down typical
  • Lowest APR (~9–13%)
  • Longest terms available
  • Approved in hours
  • UMC partner option available
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640–719
Good · most common
~$500 down typical
  • APR ~14–18%
  • Same-day approval typical
  • Largest patient profile here
  • Both in-house & partner options
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580–639
Fair
~$2,000 down typical
  • APR ~19–24%
  • In-house only — partners typically decline
  • Co-signer can dramatically improve terms
  • Soft pull only — no score impact
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< 540
Below 540
up to $2,700 down
  • Often financed with a co-signer
  • Or larger upfront down payment
  • Honest case-by-case review
  • We say no when it doesn't make sense
Talk to a coordinator
Don't qualify? Many patients use HSA/FSA funds, family contributions, or wait 60–90 days while improving credit. Our coordinators have helped thousands navigate this — you're not alone, and there are usually paths forward. Talk to a coordinator about options →
The questions you actually have

What patients ask about financing.

Will applying hurt my credit score?
No. The initial application is a soft credit pull, which doesn't affect your score and isn't visible to other lenders. Only if you proceed with one of our partner lenders (UMC) is a hard pull required at the final step — and even then, only after you've seen and accepted the actual terms.

What if I'm denied?
Several options: (1) reapply with a co-signer (often dramatically improves terms), (2) increase your down payment, (3) explore HSA/FSA funds, (4) wait 60–90 days while improving your credit (our coordinators can give specific advice). We're transparent about why a denial happened and what would change the outcome.

Can I add a co-signer?
Yes — and a strong co-signer is the single most powerful way to improve your terms if your credit isn't ideal. A spouse, parent, or close family member with good credit can drop your APR significantly and unlock $0-down terms. The co-signer is jointly responsible for the loan.

When does my first payment hit?
First payment is typically due 30 days after your surgery date — never before. If recovery takes longer than expected and you need an extra week or two, we work with you. We don't kick people while they're recovering.

Can I pay the loan off early?
Yes — no prepayment penalty on any of our financing options. Pay extra any month, pay it off in full whenever — your remaining interest is reduced proportionally. Many patients use tax refunds, year-end bonuses, or HSA/FSA funds to pay down the balance fast.

Do you offer 0% interest?
No. We've seen the "0% interest" gimmicks elsewhere — they almost always come with retroactive interest if you miss the deferred-interest window, or hidden fees that add up to more than a real APR. We'd rather show you a real, honest rate up front. For most patients with good credit, our APR is between 9–14%.

Can I use HSA / FSA funds?
Many of our patients do. Bariatric surgery is generally an HSA/FSA-eligible expense — confirm with your plan administrator. We provide itemized receipts that meet most plan documentation requirements. Many patients use HSA funds for the down payment + financing for the rest.
5 minutes · soft pull · no commitment

See your real terms before you commit.

No credit damage. No obligation. No surprise calls. Apply once and a real human will walk you through your options within one business day.

Apply for financing Call Ricky, financing · (619) 779-4403
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