Medical emergency

A hospital bill won't wait. Your loan shouldn't take a week of bank visits.

When the bill is for surgery, a hospital stay or a treatment that cannot be put off, the slow part of borrowing is usually not the lender's decision but the asking: one bank, one form, one wait, then the next. Finsa reads your credit report once and puts the request in front of several lenders together, so you see who will lend before you spend a day finding out.

Finsa's fee for any of it: ₹0. Borrow only what insurance and savings don't cover; every rupee you don't borrow is interest you don't pay.

In short

A personal loan for a medical emergency through Finsa: one soft check of your Equifax report, then offers from RBI-regulated banks and NBFCs for hospital bills, surgery or treatment, priced on your income and existing EMIs. Finsa is not a lender and charges no fee; how fast the money lands is up to the lender you choose.

Check my medical loan offers →Free · soft check · never affects your scoreShare on WhatsApp

How it works

  1. 01

    Know the gap first

    Ask the hospital's insurance desk what your policy pays cashless or reimburses. The loan is for the part it leaves, not the whole bill.

  2. 02

    One check, minutes not days

    Consent, one OTP, and Finsa reads every EMI and card on your Equifax file. Checking is free and is a soft enquiry, so it never affects your credit score.

  3. 03

    Lenders answer, you pick

    The request goes to our lender partners at once. Each offer states its rate and every fee on the Key Fact Statement before you sign.

Questions people ask

Can I get a personal loan for a medical emergency?
Yes. A personal loan has no restriction on use, so hospital bills, surgery, treatment, medicines and a family member's care all qualify. The lender decides on your income, the EMIs you already pay and your credit report, not on the diagnosis, and it does not need the hospital's papers.
How fast can I get a loan for medical treatment?
Finsa's check takes a few minutes: consent, one OTP, and your report is read. How quickly the money reaches your account is the lender's step and differs between lenders, so ask before you sign. Having your PAN, Aadhaar and a recent bank statement ready is what usually saves the most time.
What documents are required for a medical loan?
For the check, none: it runs on your consent and your Equifax report. The lender you pick will ask for its own KYC at signing, usually PAN, Aadhaar and proof of income such as recent salary slips or a bank statement. Hospital bills are not normally required for a personal loan. Documents, in full →
Medical loan or personal loan: what is the difference?
Mostly the name. Some lenders and hospitals sell a "medical loan" tied to one hospital or paid straight to it; a personal loan pays you, and you can use it at any hospital or pharmacy. Compare them on the total cost, the rate and the fees on the Key Fact Statement, not on the label.
What does a ₹1.5 lakh medical loan cost?
At an illustrative 16% a year over 24 months, ₹1,50,000 is an EMI of about ₹7,344, and about ₹26,267 in interest overall. Your rate is set by the lender from your credit profile; a shorter tenure costs more a month and less in total.
Can I get a medical loan with a low CIBIL score?
Sometimes, from lenders that price for it, at a higher rate and often a smaller amount. What closes the door is usually a recent missed payment or EMIs that already take most of your income, more than the score itself. A gold loan, if there is gold in the family, is the fallback that does not depend on your score. Low score? Read this →
I'm self-employed. Can I still get a medical loan?
Yes. Lenders assess self-employed borrowers on filed income, such as ITRs and business bank statements, rather than on a salary credit, and tend to be more conservative about the amount. Self-employed? Read this →
Will checking affect my credit score?
Checking is free and is a soft enquiry, so it never affects your credit score.
Does Finsa charge a processing fee?
Finsa charges no processing fee and no fee of any kind: the credit report, the offers and the match are free to the borrower. Finsa is paid by the lender on disbursal. Any processing fee of the lender's own is shown on its Key Fact Statement before you sign, and you can compare offers on that.

Before you apply

Apply once, not bank by bank.

Check your credit report free, and let the lenders come to you.

+91
Are you salaried?
What do you need?
₹

From ₹50,000 to ₹60,00,000. 3l and 3 lakh both work.

₹

Your net monthly take-home. 45k and 1.2 lakh both work.

Where you live. Lenders check it against the areas they serve.

Checking eligibility is a soft inquiry and does not affect your credit score. We use your details only to match you with lending partners. We never sell your data.

Finsa is a Lending Service Provider, not a bank or an NBFC. We do not lend or set rates — every credit decision, interest rate and fee belongs to the lending partner.

What a loan through Finsa costs

Tenure
Repayment runs from 6 months to 60 months.
Rate
Lending partners price personal loans from about 9.99% to 24% a year, on a reducing balance. Your rate is set by the lender from your credit profile, not by Finsa.
Example
Worked example: on ₹3,00,000 over 36 months at 14% a year, the EMI is ₹10,253 and the total repaid is ₹3,69,118, of which ₹69,118 is interest.
Fees
Finsa charges no processing fee and no fee of any kind. A lender's own processing fee, insurance or GST is extra, and each one is stated on the Key Fact Statement you get before signing.