Apply for Men’s Health Financing Now

Unlike a conventional insurance policy, men’s health financing through United Credit’s lending partners may cover the entire cost of your cosmetic procedure or treatment, up to $25,000. This includes procedures or offerings like:

• Hormone therapy
• Erective dysfunction treatment
• Medication
• Implants or surgery

Insurance companies are designed to limit and spread risk among the pool of customers, thereby limiting the financial damage both to clients and the company in the case of a payout. In many cases, insurance companies restrict their payouts to “medically necessary” procedures. This means “elective” procedures like men’s health treatments most likely won’t be covered. Check with your insurance provider for more information.

Men’s health treatments and surgery costs vary widely depending on factors like the type and extent of the procedure, the billing practices of the surgeon, and what intensity of postoperative aftercare you need. Some points to consider before you pay for your surgery include:

• How much does your provider estimate the surgery and all associated costs will run? Most providers should be able to give you a fairly accurate idea of the total amount a procedure will cost.
• Can another provider perform the procedure and still give you the results you want?
• Is it possible to have a less expensive alternate procedure that can achieve a similar outcome?
• Does your provider offer in-house surgery financing?
• What other outstanding secured and unsecured debt do you have, such as credit cards, student loans, back taxes, mortgage payments, or car loan notes?

Getting answers to questions like these will give you a financial picture that can help guide your next steps.

Many men’s wellness clinics offer financing, some in-house, some through loan brokerages. Before you agree to a procedure or payment plan, you should always get a second opinion on your procedure and evaluate the fine print of the terms carefully so you know what you’re getting into and can make sure the procedure and plan you choose is the right one for you.

The best financing depends on your needs, credit, and financial goals. Things like monthly payments, loan terms and conditions, and APR all work together to make an ideal loan that’s unique to your situation. The United Credit team is dedicated to connecting you with the loan that best meets your needs and fits your budget.

We recommend checking services like Credit Karma, requesting your credit history, and signing up for credit monitoring from all three major credit bureaus as one of the first steps in applying for a loan.

Your credit score depends on several factors, including your current income, history of making timely payments for existing loans, whether you’re currently enrolled in debt forgiveness programs, the ratio of “good debt” to “bad debt,” how long you’ve had a credit history and your bank account history. If you find incorrect information in your credit history, you have the right to appeal it and request your score be corrected. This can help you improve your credit score.

However, just because your credit history is less than ideal doesn’t mean you can’t get a loan. When you submit an application, our initial check is what’s known as a “soft” credit inquiry which does not impact your credit score. Individual lenders may run a hard credit check, which will impact your score, which is why it’s essential to know what your credit report contains.