We advise patients who want a loan to accept an introductory "zero interest rate" offer, if they receive these from credit card companies soliciting new business. The next best loan terms would come from the patient's personal bank or credit union.
Until recently loans for surgical procedures without collateral have been either unavailable, or the terms have been quite unacceptable. GOOD NEWS!!! We have found three separate and independent financing companies providing credit for vasectomy reversals with loans up to our maximum of $6,000. All three have different, but acceptable terms for repayment of these loans. They also have their own criteria for determining a patient's credit worthiness. The non- refundable scheduling deposit of $500 is not to be included in these loans.
Unfortunately, a recent divorce often damages a patient's credit. If the patient's new wife or fiancée has better credit than the patient, it is often better having her apply for the loan. In order to make valid comparisons we recommend applying for the same amount, up to a maximum loan of $6,000, from all three of these financing companies. They will either promptly decline the loan application or promptly reply with the amount approved, the interest rate, the amount and number of payments, and any fees. The patient then selects the loan which best meets his needs. Two of these companies offer "no interest options" to patients. These must be disregarded. The company takes their profit from the surgeon's fee, which is not acceptable to us.
| CAPITAL ONE HEALTH CARE FINANCE | 1-877-559-5050 |
| eMEDICAL FINANCING-SOLUTIONS | 1-866-260-2942 |
| RELIANCE FINANCE CORPORATION | 1-800-322-6377 |