Offering You More Ways to Pay
for Healthcare
No Credit Impact Pre-Qualification
Quick and Easy Application
Affordable Monthly Payments
Featured Services
Affordable Monthly Payments
Maintaining your budget comes easy with personalized HCS loans. We offer 12 to 36 month term loans with affordable fixed interest rates.2 You choose the monthly payment that fits your budget. Apply now to get started. Get Started
Pre-qualify to Sign in Minutes
The financial support you need is only minutes away with our no-fee, online application.3 And don’t worry, you will have the opportunity to review the terms and rates of the loan before accepting. Get paid fast! We'll begin processing your approved financing immediately.- Pre-qualify without impacting your credit
- No down payment required
- No penalty for early payoff
Pre-Qualify Now
About Health Credit Services
We are Health Credit Services and we are on a mission to simplify the way you pay for healthcare. We focus on providing financing solutions that allows healthcare to be more affordable and accessible. We’re here to help you pay for both your elective and non-elective healthcare costs. Getting the care you need shouldn’t be a hassle and we’re here to help.
Quick. Easy. Painless. We are with you every step of the way. No hidden fees. No payoff penalties. No impact to your credit for pre-qualification.
With a personalized HCS loan, maintaining your budget comes easy. You can pay for out-of-pocket healthcare expenses for you and your family. Use your HCS loan to pay deductibles, or to pay for treatments or procedures not covered by insurance. We offer 12 to 36 month loans with affordable interest rates and low monthly payments.
1 HCS loans are unsecured personal loans originated by Cross River Bank, member FDIC.
2 Annual Percentage Rate (APR) ranges from 9.99% To 26.99%. Terms range from 12 months to 36 months, depending on the product selected. APR is determined based on the applicant’s credit score, loan amount, loan term, and credit usage and history at the time of application. To qualify, a borrower must be a U.S. Citizen or Permanent Resident in an eligible state, be at least 18 years of age, and meet the applicable underwriting requirements. HCS reserves the right to modify or discontinue products and benefits at any time without notice.
3 Subject to credit approval.
2 Annual Percentage Rate (APR) ranges from 9.99% To 26.99%. Terms range from 12 months to 36 months, depending on the product selected. APR is determined based on the applicant’s credit score, loan amount, loan term, and credit usage and history at the time of application. To qualify, a borrower must be a U.S. Citizen or Permanent Resident in an eligible state, be at least 18 years of age, and meet the applicable underwriting requirements. HCS reserves the right to modify or discontinue products and benefits at any time without notice.
3 Subject to credit approval.