Thirty-one years in glasses. LASIK finally an option her optometrist said she was a perfect candidate for. Insurance that covered zero dollars of it. A 538 credit score and $290 in savings. Three offers in 20 minutes.
Apply Free — Eye Surgery Loan →Elena had worn glasses since second grade — first for distance, then progressives by her late twenties, then the specific irritation of contact lenses on long shifts as a hospital pharmacist where she needed clear vision for twelve consecutive hours and her eyes simply stopped tolerating lenses by hour eight.
At her annual eye exam her optometrist said something she had heard before but this time with different emphasis: she was an ideal LASIK candidate. Thin prescription, stable for four years, corneas exactly the right thickness. Not a marginal candidate. An ideal one.
Total cost both eyes: $3,400. Insurance coverage: $0. Most vision plans classify LASIK as elective regardless of the degree to which a patient's daily function depends on correction. Her savings had $290. Her credit score was 538.
She searched "LASIK loan bad credit." Money247.com appeared. Applied at 7:00 PM, connecting her account to show six years of pharmacist income. At 7:20 PM — 20 minutes later — three offers. Best: $3,400 at 27% APR over 36 months. Monthly payment: $124. Procedure booked the following week. She drove herself home afterward without glasses for the first time in twenty-four years.
"Six years of pharmacist deposits told the complete story. The bank's 538 threshold said no. The income-only lender answered in 20 minutes — she drove herself home after LASIK without glasses for the first time in her adult life."
— Why current income tells a more complete story than a credit score aloneMost health and vision insurance plans classify LASIK as an elective procedure regardless of how dependent a patient is on vision correction. The result: patients who are ideal surgical candidates pay entirely out of pocket. A personal loan from Money247.com based on income history funds LASIK in minutes, and many patients find the monthly payment less than their annual contact lens and glasses costs.
Elena has had 20/15 vision since the procedure. She has made 12 monthly payments of $124. Her credit score moved from 538 to 569. She calculated that she was spending approximately $140 per year on contact lenses and $280 on glasses updates — the loan payment replaced both and improved her vision beyond what either had provided.
Bad credit from 500. Soft check only. Same-day deposit. 300+ lenders competing.
Apply Free — Eye Surgery Loan →Bad credit from 500. Soft check only. Same-day deposit. 300+ lenders. Free in 2 minutes.
Apply Free — Eye Surgery Loan →