Applying twice for Care Credit. Should I re-apply and ask for a smaller loan or just apply with another company?

Question

My credit is 738 and I applied and got denied for care credit. Should I re-apply and ask for a smaller loan or just apply with another company?

Jon Paul Trevisani, MD, FACS · Answer

Hello and thank you for your question! I would advise you to seek a reason on your denial. You also may want to reach out the surgeon you are considering and inquire which finance companies they work with. I hope this helps and best of luck to you!

Gary Lawton, MD, FACS · Answer

Each company uses different criteria.  If Care Credit denied you, try United Medical Credit.  Their criteria are less stringent.

Kenneth Hughes, MD · Answer

You could try with either of these approaches.  Prosper and Medical Financing are other options.  Enhance can be used as well.

Janet Turkle, MD · Answer

Hello,I believe you should call CareCredit and speak with them directly about why they have denied your application. You may also wish to check our Prosper, another medical financing company. Good luck.

Nelson Castillo, MD · Answer

Thank you for sharing your question.  Based on your credit score I would recommend reaching out to CareCredit directly and discussing the aspect of your application that is causing it to get denied.  At that score you should qualify for a high line of credit.

Aldo Guerra, MD · Answer

Your credit score is high. You should talk to them in person and see what they can do for you. Alpheon financing is also a respectable company.Best wishes, Dr. ALDO

Camille Cash, MD · Answer

Based on your credit score you should be able to receive funding.  I would contact them to discuss the situation.  If you are still denied you can try a different company.

Remus Repta, MD · Answer

It seems like your credit score should be high enough to be approved with CareCredit.  You may want to re-apply or give them a call.  Perhaps there is a misunderstanding about your application.  Alphaeon is another third party financing company that may be of help.Good luck.Dr. Remus Repta

Robert E. Zaworski, MD (retired) · Answer

Call Care Credit and discuss funding.  I am surprised you were turned down based on the information you shared.

Applying twice for Care Credit. Should I re-apply and ask for a smaller loan or just apply with another company?

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