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LASIK Financing: Compare Personal Loans for Eye Surgery

An unsecured personal loan is one way to finance LASIK eye surgery. Compare your funding options.

Chanell Alexander
By
Last updated on December 15, 2023
Edited by
✅ Fact checked and reviewed
Kim Lowe
Edited by
✅ Fact checked and reviewed

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Get a 0.50% discount on your next loan from SoFi, NerdWallet's 2024 Best Personal Loan winner. Offer expires 4/30/24. Click on "View details" for offer terms*.

SoFi

SoFi Personal Loan

SoFi
5.0
NerdWallet rating
Est. APR
8.99-29.99%
Get a 0.50% discountLimited-time offer
Loan amount
$5K-$100K
Min. credit score
None
on SoFi's website
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LASIK Financing: Compare Personal Loans for Eye Surgery From Our Partners

Lender
NerdWallet Rating
Est. APR
Loan amount
Min. credit score
Learn more

Limited-Time Offer

SoFi

SoFi Personal Loan

Top 3 most visited 🏆
Visit Lender
on SoFi's website
on SoFi's website
Read Review
on NerdWallet
on NerdWallet
Best for LASIK eye surgery loans
Rate discount

8.99-29.99%

Get a 0.50% discountLimited-time offer

$5,000-$100,000

None

Upgrade

Upgrade

Check Rate
on NerdWallet
on NerdWallet
5.0
/5
Best for LASIK eye surgery loans
Rate discount

8.49-35.99%

$1,000-$50,000

560

Discover

Discover® Personal Loans

Visit Lender
on Discover's website
on Discover's website
5.0
/5
Best for LASIK eye surgery loans
Fast funding

7.99-24.99%

$2,500-$40,000

660

Upstart

Upstart

4.5
/5
Best for LASIK eye surgery loans
Fast funding
Flexible payments

7.80-35.99%

$1,000-$50,000

None

Lightstream

LightStream

4.5
/5
Best for LASIK eye surgery loans
Rate discount

7.99-25.49%

$5,000-$100,000

660

Our pick for

LASIK eye surgery loans

Limited-Time Offer

EXCLUSIVE OFFER
AD
Don't miss out on a better rate

Get a 0.50% discount on your next loan from SoFi, NerdWallet's 2024 Best Personal Loan winner. Offer expires 4/30/24. Click on "View details" for offer terms*.

SoFi
Visit Lender
on SoFi's website
on SoFi's website
Read Review
on NerdWallet
on NerdWallet
SoFi

SoFi Personal Loan

5.0
Est. APR

8.99-29.99%

Get a 0.50% discountLimited-time offer
Loan amount

$5,000-$100,000

Min. credit score

None

Upstart
Upstart

Upstart

4.5
Est. APR

7.80-35.99%

Loan amount

$1,000-$50,000

Min. credit score

None

Upgrade
Upgrade

Upgrade

Est. APR

8.49-35.99%

Loan amount

$1,000-$50,000

Min. credit score

560

Discover
Discover

Discover® Personal Loans

Est. APR

7.99-24.99%

Loan amount

$2,500-$40,000

Min. credit score

660

Lightstream
Lightstream

LightStream

Est. APR

7.99-25.49%

Loan amount

$5,000-$100,000

Min. credit score

660

What is a personal loan for LASIK financing?

Unsecured personal loans are flexible financing because you can use them for almost any purpose, including LASIK. They don’t require collateral, and borrowers repay their loans in fixed, monthly installments that make budgeting more predictable.

And while personal loans can be expensive, starting interest rates for excellent-credit borrowers are typically lower than credit card rates.

You can get a personal loan from a credit union, bank or online lender. Factors like time to fund, rate ranges and loan amounts vary for each. To find a loan with monthly payments and rates that fit your budget, it’s best to compare offers from multiple lenders.

» MORE: Best medical loans

How to compare LASIK eye surgery loans

APR. Annual percentage rates on personal loans typically range from 6% to 36%, depending on your credit. The lowest rates go to borrowers with good to excellent credit (690 or higher).

Fees. Some lenders charge a one-time origination fee, which covers the cost of processing the loan. The fee is usually 1% to 10% of the loan amount, and most lenders subtract it from the loan before disbursement.

Loan amount. Personal loan amounts typically range from $1,000 to $100,000. Determine the amount you need to borrow for LASIK eye surgery before applying for a loan.

Loan term. This is the amount of time you have to repay the loan, usually two to seven years. A shorter repayment term means a lower interest cost but a larger monthly payment. Use NerdWallet’s personal loan calculator to see estimated payments with various repayment terms.

Time to fund. Once a loan application is approved, some lenders can disburse loan funds as quickly as the same day, but some may take up to a week. When you need LASIK financing, time to fund could be a key factor to consider.

Pre-qualify for a LASIK eye surgery loan

Most online lenders allow you to pre-qualify to see a loan’s terms, interest rate and monthly payments before you commit. This typically involves a soft credit check, which doesn’t hurt your credit and allows you to shop around and compare loan offers from multiple lenders.

Pre-qualify with NerdWallet to compare lenders and receive personalized rates.

Alternative LASIK financing options

Consider these other financing options and ways to save before taking a loan.

  • Finance through the provider. LASIK surgeons may offer in-house financing, sometimes with no interest. Ask the provider for details, including repayment terms and fees.

  • Check for discounts with your health insurance provider. Even if they don’t cover the cost of the procedure, some health insurance companies will negotiate with LASIK providers to offer discounts to members that lower the procedure’s cost.

  • Specialty credit cards. Some LASIK providers may accept CareCredit, a specialty credit card for medical expenses. The standard APR for CareCredit is 29.99%, but it also offers short-term financing options at 0% interest for charges of $200 or more if paid in full by the end of the term (6, 12, 18 or 24 months).

  • 0% interest card. If you have good or excellent credit (a score of 690 and above), you may qualify for a 0% interest credit card. These cards have an introductory period — typically 15 to 21 months — when you won’t incur interest on purchases. However, you must pay off the balance before the period ends, or you’ll be on the hook for the interest charges.

Last updated on December 15, 2023

Methodology

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Our star ratings award points to lenders that offer consumer-friendly features, including: soft credit checks to pre-qualify, competitive interest rates and no fees, transparency of rates and terms, flexible payment options, fast funding times, accessible customer service, reporting of payments to credit bureaus and financial education. Our ratings award fewer points to lenders with practices that may make a loan difficult to repay on time, such as charging high annual percentage rates (above 36%), underwriting that does not adequately assess consumers’ ability to repay and lack of credit-building help. We also consider regulatory actions filed by agencies like the Consumer Financial Protection Bureau. We weigh these factors based on our assessment of which are the most important to consumers and how meaningfully they impact consumers’ experiences.

NerdWallet does not receive compensation for our star ratings. Read more about our ratings methodologies for personal loans and our editorial guidelines.

To recap our selections...

NerdWallet's LASIK Financing: Compare Personal Loans for Eye Surgery

  • SoFi Personal Loan: Best for LASIK eye surgery loans
  • Upstart: Best for LASIK eye surgery loans
  • Upgrade: Best for LASIK eye surgery loans
  • Discover® Personal Loans: Best for LASIK eye surgery loans
  • LightStream: Best for LASIK eye surgery loans

Frequently asked questions

  • Yes. You can apply for LASIK financing through a personal loan lender or sometimes directly through the LASIK provider, which allows you to pay the cost in monthly installments. Before committing to a loan, pre-qualify to compare lenders and find an affordable rate.

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