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Medical loans

Pay your medical bills for as low as 6.74% APR,

Check your rate with no impact to your credit score.

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Cover your health costs with a personal loan

Hospital bills

Pay for the cost of inpatient stays and nursing care while you recover.

Surgical procedures

Finance your operations, including cosmetic and plastic surgery.

Imaging and lab work

Cover expenses from MRIs, X-rays, and lab panels.

Dental care

Get funds for orthodontics, jaw surgery, or tooth restoration.

Get a medical loan that fits your budget

  • Amounts from $3,000 to $100,000 and terms from 12 to 84 months
  • No origination fee, no closing fee, and no prepayment penalty
  • Interest rate discount of 0.25% or 0.50% with Autopay from a qualifying Wells Fargo account
See options with no impact to your credit.

Check my loan options
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Medical loan FAQs

It's a personal loan used to finance your medical bills. Medical loans are commonly used to cover expenses like surgeries and procedures, hospital stays, nursing care, and specialist appointments. A medical loan can also pay for physical therapy, MRIs or X-rays, diagnostics, dental care, vision care, or other out-of-pocket expenses. When you apply for a medical loan through Wells Fargo, you can select the loan option that fits your budget.

First, check your loan options. See potential rates and payment choices with no impact to your credit score. Pick the option you prefer, then apply in minutes. Most customers get a credit decision the same day. If you’re approved, you could receive your funds as soon as the day you sign, like 97% of our customers do.

Your medical loan APR is based on details specific to your application, including the loan amount, term, and credit history. Check your loan options for a specific amount and you'll see your rate options. With a qualifying Wells Fargo account, you may be eligible for a 0.25% or 0.50% rate discount through Autopay.

Medical loans are available in amounts of $3,000 to $100,000, with terms from 12 to 84 months.  We're here to support you in choosing the right option for your needs. Explore personalized loan offers with no impact to your credit score. 

Yes, you may be eligible for a 0.25% or 0.50% rate discount on your medical loan when you use Autopay with a qualifying Wells Fargo account.

Secure the funds you need in a few quick steps

Check your rate in minutes

Start by exploring your loan options with no impact to your credit.

Choose your loan and apply

Select the rate and monthly payment that suits your needs.

Get your funds fast

Most customers receive their funds the same day they're approved.

See options with no impact to your credit.

Check my loan options

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Helpful resources

How can we help?

The Annual Percentage Rate (APR) shown is for a personal loan of at least $10,000, with a 3-year term and includes a relationship discount of 0.25%. Your actual APR may be higher than the rate shown.

At least 10% of the applicants approved for these terms qualified for the lowest rate available based on data from 01/01/2026 to 03/31/2026. The rates shown are as of 04/02/2026 and subject to change without notice. Your Annual Percentage Rate (APR) will be based on the amount of credit requested, loan term and your creditworthiness. The lowest rate available assumes excellent credit history.

On average, 97% of customers received their funds the day they signed for their personal loan. (Based on data from October – December 2025).

To qualify for a customer relationship discount, you must have a qualifying Wells Fargo consumer checking account and make automatic payments from a Wells Fargo deposit account. To learn which accounts qualify for the discount, please consult with a Wells Fargo banker or consult our FAQs. If automatic payments are canceled, for any reason at any time, after account opening, the interest rate and the corresponding monthly payment may increase. Only one relationship discount may be applied per application.

Representative example of repayment terms for an unsecured personal loan: For $15,000 borrowed over 36 months at 13.99% Annual Percentage Rate (APR), the monthly payment is $513. This example is an estimate only and assumes all payments are made on time.

Late fees may still be assessed.

Important information. We only offer personal loans to existing Wells Fargo customers. For more information about becoming a customer, make an appointment to visit a location near you.

Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

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