Invest in Your Health and Well-Being
Unexpected medical expenses shouldn’t stand in the way of your health. Whether you’re facing an emergency procedure, planning an elective treatment, or considering cosmetic surgery, our Health Smart Loan offers flexible financing solutions tailored to your needs.
Why Choose a Health Smart Loan?
- Borrow up to $25,000 for medical, dental, or cosmetic procedures
- Competitive low-interest rates*
- Flexible repayment terms – Choose from 48, 60, or 72 months
- First payment can be deferred for up to 60 days**
*Loan approval and approved Annual Percentage Rate subject to credit worthiness.
**First payment deferral is optional. If you defer your first payment, your monthly interest payment may be higher than non-deferred payments. Interest charges will continue to accrue at the agreed rate stated in loan agreement.
Financing Your Health, Your Way
Whether you need a medical loan for surgery, cosmetic surgery financing, or healthcare loans for unexpected expenses, our Health Smart Loan can provide the support you need.
| Type | Features and/or Approximate Term* | Annual Percentage Rate (APR)* |
|---|---|---|
| Health Smart Loan | up to 48 months for up to $5,000 | as low as 9.24% APR |
| 60 months for $5,001-$15,000 | as low as 10.24% APR | |
| 72 months for $15,001-$25,000 | as low as 11.24% APR |
These rates were last reviewed and/or updated on 6/27/2025.
*The approximate term used to calculate payments for the Credit Union’s loan products. Loan approval and approved Annual Percentage Rate (APR) are subject to credit worthiness. Advertised APR includes a 0.25% rate reduction for automatic draft. Advertised rates are subject to change without notice. Contact a Carolina Trust loan specialist for more details. Financing Example: A personal loan of $10,000 at 10.24% APR for a term of 60 months would result in a monthly payment of approximately $213.65.
Medical Financing Made Simple
Looking for affordable medical loans, medical bill loans, or plastic surgery financing? We make the process quick and hassle-free. Our Health Smart Loan covers a variety of treatments, including:
- Emergency medical procedures
- Dental and orthodontic care
- Cosmetic and plastic surgery (e.g., rhinoplasty, mommy makeover, tummy tuck)
- Weight loss surgeries (e.g., bariatric surgery)
- Other health and wellness treatments
Apply for a Health Smart Loan Today
Take control of your healthcare expenses with flexible, low-interest medical loans. Get started with a fast and easy online application.
Your health matters. Let us help you finance it with confidence.
