Bariatric Surgery Financing — Affordable Monthly Payments
Financing bariatric surgery is easier than most patients think. Cost should never stand between you and the life-saving care you deserve. We partner with trusted medical-financing companies in the U.S. and Canada so you can access bariatric surgery with simple, flexible monthly payments.
ALO Bariatrics offers financing for bariatric surgery in Mexico. U.S. patients can apply through eFinancing Solutions, Medical Loan Finance or United Credit; Canadian patients apply through Medicard. All-inclusive packages start at $4,500 USD (gastric sleeve, Tijuana). You can apply before you have a surgery date, applying takes minutes, and an approval does not obligate you to proceed.
Choose the Provider That Works Best for You
Apply online in minutes — pre-approval has no impact on your credit score. Funding is typically released within days, so you can lock in your surgery date without delay.
eFinancing Solutions
Requesting a loan is easy and instant — designed specifically for medical procedures.
- Instant online decision
- No credit-score impact for pre-qualification
- Terms from 12 to 84 months
- Interest rates starting at 6.99% APR
- No down payment or upfront fees
- Loan funds in 2 to 7 days
Medical Loan Finance
Makes bariatric surgery more affordable with simple approval and flexible loan structures.
- Fast online application
- Simple pre-qualification process
- Multiple loan options based on credit profile
- Fixed monthly payments (based on approval)
- Designed for medical financing
United Credit
United Credit connects you with several lending partners, so a single application can bring back more than one offer.
- Fast and secure online application
- Multiple lending options based on your credit profile
- Fixed monthly payments (based on approval)
- Quick credit decision
- No obligation to accept an offer if approved
Medicard
A dedicated Canadian medical-financing program. Get pre-qualified quickly and only borrow what you need.
- Designed for medical procedures
- Quick online application
- Flexible monthly payment options
- No need to pay the full amount upfront
- Borrow only what you need (based on approval)
- Dedicated program for Canadian patients
Ways to Pay for Bariatric Surgery, by Country
Every option below can be combined with the $500 reservation deposit. Your coordinator confirms which options apply to your case.
| Option | Country | Best for | How it works |
|---|---|---|---|
| eFinancing Solutions | USA | Comparing several lenders fast | Loan marketplace. One online request, instant decision, terms from 12 to 84 months. |
| Medical Loan Finance | USA | Different credit profiles | Medical financing with several loan structures depending on your credit profile. |
| United Credit | USA | One application, more than one offer | Lending network. Pre-approval in minutes to one business day; you repay the lender directly. |
| Medicard | Canada | Canadian residents | Direct medical lender. $500 to $50,000 CAD, 12 to 84 months, no down payment. |
| CareCredit card | USA | Patients who already have CareCredit | Accepted in some cases, when CareCredit issues a card with a card number and expiration date. Processed as a regular card payment. Confirm with your coordinator first. |
| HSA or FSA | USA | Patients with a health savings or flexible spending account | Medically indicated bariatric surgery is generally a qualified medical expense. Keep your ALO invoice and confirm with your plan administrator. |
| Personal loan or line of credit | USA and Canada | Patients with a bank relationship | Often the lowest rate if you qualify. Ask your bank. |
| Partial payments before surgery | USA and Canada | Patients who prefer not to borrow | Pay your package in parts up to your surgery date. The balance is settled before surgery. |
Prefer to secure your date first? A $500 USD reservation deposit locks in your surgery date and is credited toward your total.
How Much Should I Finance?
The amount to request depends on your procedure, location and package. Before you apply, your patient coordinator confirms the exact amount to request. Your monthly payment depends on the term and rate approved by the lender; every partner discloses the rate, fees and payment schedule before you sign.
Ask your coordinator how much to requestFinancing Bariatric Surgery With ALO Bariatrics
Whether you're covering the full amount or supplementing your savings, medical financing makes weight-loss surgery accessible. Our financing partners support every procedure we offer. If you would rather pay upfront and skip interest altogether, our cash and wire payment options are listed side-by-side with financing on the payment guide — the $200 cash discount built into every published price only applies to cash, but the wire and card path is documented there too.
Weight loss surgery is a major step toward better health, and for many patients, financing makes it easier and faster. With our partners, patients can:
✓ Break surgery cost into manageable monthly payments
✓ Avoid delaying surgery due to financial barriers
✓ Access treatment even when insurance doesn't cover bariatric procedures
✓ Choose the procedure they truly need — not just what insurance approves
- Gastric Sleeve
- Gastric Bypass
- Mini Bypass
- Duodenal Switch
- SADI-S
- Revision Surgery
- Robotic Surgery
- Lap-Band Removal
Why Patients Choose to Finance Their Surgery
Four reasons financing helps patients move forward with bariatric surgery — without compromise.
Insurance Often Doesn't Cover It
Many U.S. patients are denied coverage, face long approval processes, or must meet strict requirements. Financing lets you move forward without waiting months or years.
Lower Monthly Payments
Depending on your approval, your surgery can be financed with low monthly installments — so you start your transformation now, not years from now.
All-Inclusive Bariatric Packages
The price you finance includes surgeon fees, hospital stay, anesthesia, ground transportation, hotel recovery, and post-op support. No surprise costs.
USA & Canada Options Available
We work with financing companies on both sides of the border to ensure the widest accessibility for U.S. and Canadian patients alike.
What You're Actually Financing
The price you finance with ALO Bariatrics covers your entire medical-tourism experience — no hidden fees, no surprise add-ons, no fragmented bills.
Financing Is a Great Option If You…
Most patients we help don't fit a single mold. If you recognize yourself in any of these, financing is worth a closer look.
Common Patient Situations
If any of these describe your situation, financing can be the bridge between waiting and starting.
- You don't have insurance coverage for bariatric surgery
- You want to avoid paying the full amount upfront
- You prefer predictable monthly payments
- You need surgery soon due to worsening health
- You want world-class bariatric care at an affordable price
- Your insurance approval has stalled or been denied
HSA, FSA, Taxes and Other Questions
HSA, FSA and Taxes
HSA and FSA: if your surgery is medically indicated, it is generally a qualified medical expense, and a provider outside the United States does not change that. Keep your itemized ALO invoice and confirm with your plan administrator before you pay.
U.S. taxes: if you itemize, medical expenses above 7.5% of your adjusted gross income may be deductible, including travel for care. See Is weight loss surgery tax deductible?
Canada: surgery abroad may qualify for the Medical Expense Tax Credit. See Can Canadians get money back?
ALO Bariatrics does not provide tax advice; confirm with a tax professional.
What If My Credit Is Not Perfect?
Loan marketplaces and lending networks send one application to several lenders, so a decline from one lender is not the end. You can apply with a co-borrower (eFinancing Solutions and Medical Loan Finance allow one), try a second partner, or pay in partial payments before surgery.
No partner guarantees approval, and ALO Bariatrics does not decide, approve or set the terms of any loan.
For Canadian Patients
Canadian patients finance through Medicard, a direct Canadian medical lender: $500 to $50,000 CAD, terms from 12 to 84 months, rates based on your credit history, no down payment. Your package is priced in USD; ask your coordinator for the exact amount to request.
Surgery abroad may qualify for the Medical Expense Tax Credit. See Bariatric surgery in Mexico for Canadians.
Reserve Your Surgery Date with a Simple Deposit
If you don't need full financing, you can lock in your surgery date with a $500 USD reservation deposit — credited toward your total surgery cost.
- Applied toward your total surgery cost
- Confirms scheduling and coordination
- Refundable per our cancellation policy
About These Financing Options
Read the following disclosures carefully before applying. Financing terms vary by lender, credit history, and country.
⚠️ ALO Bariatrics is not a lender
ALO Bariatrics does not provide loans, set financing rates, or determine credit decisions. All financing is offered by independent third-party providers. Approval, rates, and terms are determined solely by the lending partner based on your individual creditworthiness and the partner's underwriting criteria.
📋 Subject to credit approval
All financing is subject to credit approval by the lending partner. Pre-qualification does not guarantee final approval. Final loan terms — including APR, monthly payment, and amount approved — depend on your credit history, income, and the lender's policies. Some applicants may not qualify.
💵 Representative example
Example shown by eFinancing Solutions: a $10,000 loan over 60 months at 4.99% APR requires 60 monthly payments of $188.67 — total cost of borrowing $11,320.20. This is one illustrative example; your actual rate and payment will depend on your credit profile and selected lender. Rates published as of partner site review.
All financing is offered by independent third-party providers, not by ALO Bariatrics. Rates, terms, and approval criteria are determined solely by the lender. Always read the lender's full terms and conditions before signing. ALO Bariatrics may receive a referral fee from financing partners.
Bariatric Surgery Financing: Common Questions
Can I finance bariatric surgery in Mexico from the United States?
Yes. ALO works with three U.S. financing partners: eFinancing Solutions, Medical Loan Finance and United Credit. You apply online, and if approved, the funds cover your all-inclusive package. You can apply before choosing a surgery date.
Does ALO Bariatrics accept CareCredit?
In some cases. When CareCredit issues you a card with a card number and expiration date, ALO can process it as a regular card payment. Confirm with your patient coordinator before applying or paying.
Can I use my HSA or FSA to pay for surgery in Mexico?
Usually yes. Medically indicated bariatric surgery is generally a qualified medical expense, and care outside the United States does not change that. Keep your itemized invoice and confirm with your plan administrator.
How much is the deposit and when is the balance due?
A $500 USD reservation deposit locks in your surgery date and is credited toward your total; it is refundable under our cancellation policy. The balance is paid before surgery, by your financing partner or by you.
How much should I request when I apply, and what will my monthly payment be?
Your coordinator confirms the exact amount to request for your procedure and location before you apply. Your monthly payment depends on the term and rate approved by the lender, which are disclosed before you sign.
Can I get financing with bad credit or no credit history?
Possibly. Our partners work with a wide range of credit profiles, and a co-borrower can help. Approval is never guaranteed. If you are not approved, you can try another partner or pay in parts before surgery.
Is there an administrative fee for financed procedures?
Procedures financed through United Credit include an ALO Bariatrics administrative fee of $250 to $660 USD, depending on the procedure and location. Your coordinator confirms the exact fee and the total amount to request.
Does ALO offer in-house payment plans?
Only before surgery. You can pay your package in partial payments up to your surgery date, and the balance must be settled before surgery. ALO does not offer payment plans after surgery.
Can Canadians finance their surgery with ALO?
Yes, through Medicard, a direct Canadian medical lender: $500 to $50,000 CAD, 12 to 84 months, no down payment. Ask your coordinator for the exact amount to request.
Is bariatric surgery in Mexico tax deductible?
In the U.S., it may be, if you itemize and your medical expenses exceed 7.5% of your adjusted gross income. In Canada, it may qualify for the Medical Expense Tax Credit. ALO does not give tax advice; see our guides and confirm with a tax professional.
Can I finance revision surgery?
Yes. Revision surgery is quoted after your evaluation, and the same financing partners apply. Ask your coordinator for the amount to request.
What happens if I am not approved?
You can apply with a second partner, add a co-borrower, or choose partial payments before surgery. Your coordinator will go over the options with you, and you can still secure your date with the $500 reservation deposit.
Need Help Choosing the Right Option?
Regaining your health is one of the most important decisions you'll ever make. Whether you choose financing, a deposit, or paying upfront, our coordinators are here to support you every step of the way.
See the Real Cost First
Many patients find that ALO Bariatrics' transparent pricing makes financing optional. Review the complete cost breakdown before committing to a payment plan.