Stage 2 breast cancer. Six months of chemotherapy. Insurance covering 80% of treatment costs. Her 20% copay running $1,400 per month. On medical leave at 60% salary. Savings gone by month three. A 536 credit score. Three offers in 24 minutes.
Apply Free — Chemo Copay Loan →Sandra was diagnosed with stage 2 breast cancer in February. By March she had a treatment plan: six months of chemotherapy followed by surgery and radiation. Her oncologist was confident. Her insurance covered 80% of treatment costs after her deductible — which she had met in the first month of diagnostics.
What the coverage summary had not made immediately clear was what 20% of cancer treatment costs actually meant in dollars per month. Her infusion sessions, anti-nausea medications, growth factor injections, and follow-up labs combined to roughly $7,000 per month in total treatment cost. Her 20%: $1,400 per month, every month, for six months.
She had taken medical leave at 60% short-term disability pay. Her take-home after that reduction was $2,900 per month. After rent, utilities, and food, her copay consumed nearly everything that remained. By month three her savings — $4,200 built over two years — were gone. She was in month four of six.
Her credit score was 536, lowered by the medical debt that had begun accruing before she fully understood the financial picture. She searched "chemo copay loan bad credit." Money247.com appeared. Applied at 2:30 PM, connecting her account to show nine years of hospital administrator income — on leave, but with a return date documented and clear. At 2:54 PM — 24 minutes later — three offers. Best: $6,000 at 27% APR over 48 months. Monthly payment: $195. Three remaining months of copays funded. Treatment never interrupted.
"Nine years of hospital administrator deposits visible on leave. Insurance left $1,400 a month uncovered during cancer treatment. The income-only lender answered in 24 minutes — treatment never missed, six-month course completed."
— Why current income tells a more complete story than a credit score aloneAn 80/20 insurance split sounds manageable until the 20% is applied to cancer treatment costs that run $5,000–$10,000 per month. The resulting copays can exceed $1,000–$2,000 monthly — on top of reduced income from medical leave. A personal loan from Money247.com based on pre-leave income history bridges the gap so treatment continues on a clinical schedule rather than a financial one.
Sandra completed all six months of chemotherapy without interruption. Her surgery was successful. She completed radiation and returned to work eight months after her diagnosis. She has made 16 monthly payments of $195. Her credit score moved from 536 to 566. Her oncologist declared her in remission at the one-year follow-up. She fought cancer. The math did not stop her.
Bad credit from 500. Soft check only. Same-day deposit. 300+ lenders competing.
Apply Free — Chemo Copay Loan →Bad credit from 500. Soft check only. Same-day deposit. 300+ lenders. Free in 2 minutes.
Apply Free — Chemo Copay Loan →