Unsecured Personal/Business Loan Options
Apply online in just minutes to see if you pre-qualify for a personal/business loan for residential (RTC) and/or intensive outpatient program (IOP) treatment with quick pre-approval. You have the option to pay off your loan early depending on if you have out of network behavioral healthcare insurance benefits. Complete our Verification Of Benefits form. For cost of treatment, see our Pricing page.
Prosper Healthcare Lending
Loan amounts range from $2,000 to $35,000. No fees or pre-payment penalties. Our competitors usually charge 5-15%, if not more. Customized lending rates based on credit history, credit worthiness, and amount requested. Receive an instant pre-approval without affecting your credit. Review the terms and rates of the loan before accepting. Thus, there is no risk.
LightStream Medical Loans
Loan amounts range from $5,000 to $100,000. No fees or prepayment penalties. Same day funding on banking business days, if approved, and you complete the following steps by 2:30 p.m. EST: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.
Cross River Bank Medical Financing
Loan amounts range from $1,000 to $35,000. An origination fee of 8% is included in the principal loan amount. No loans are offered in Connecticut, New York, West Virginia and Vermont. The Annual Percentage Rate (APR) is the cost of credit as a yearly rate. The APR offered to you will depend on such factors as your credit score, application information, loan amount, loan term, and credit history.
Options include interest free credit cards (at no additional costs) and low interest installment loans for various credit ratings up to 84 month terms and $100,000. Particularly for addiction treatment. With no interest charges for an extended period of time, this can be a welcome bridge to financing.
My Treatment Lender
Must have good to excellent credit to qualify: minimum FICO Score 680, low debt to income ratio. Borrow $5,000 to $100,000. No loan origination fees, no prepayment penalties. Funds can be deposited as soon as the same day you apply* Application only takes minutes. Joint applications accepted.
Financial Assistance Agent
Assign an Agent to represent you in order to obtain any financial help that you may be entitled to by submitting claims, applications, writing grants, etc. on your behalf. You will not incur any debt nor recieve a bill. This is a service afforded to you at no cost. Download the Power of Attorney, have it notarized and upload to http://hearttransformation.net/dropbox/.
IEP and Adoption Assistance Funding
If your child has an IEP States are required by law to provide funding if a case can be made that the school setting will not be enough to meet their IEP. See http://www.wrightslaw.com for more information.
Is your child adopted? The Adoptive Families Coalition welcomes and helps families with post-adoption challenges. They offer a unique plan to assist in meeting the high cost of therapeutic boarding schools, residential treatment centers, and wilderness therapy programs. You can find the sponsorship application page at http://adoptive.org/sponsorship/ or Call (602)-740-7149 or (602)-390-0220.
Was Your Child Adopted in California? California is required by law to provide assistance to families with struggling adoptees who were once a part of the California foster care system. Visit http://www.childsworld.ca.gov/PG1303.htm for more information.
If your child is struggling due to the fact that they were a victim of a crime, there are funds available to help you pay for treatment. You must apply for assistance in the state in which the crime was committed and tried. The National Association of Crime Victim Compensation Boards has a list of all of the state crime victim compensation web sites where you can begin to apply for funding for a therapeutic boarding school, residential treatment center, or a wilderness therapy program.
Alternatives Right In Your Own Possession
If you have wealth and you can utilize that wealth to pay for a therapeutic program, begin the process of letting it go now so that it will be easier for you to do so when it comes time.
- Do you own your home? You may be able to apply for a low-interest equity loan from your bank. Or, you may be able to sell your home outright and downsize.
- Do you own your car? You may be able to sell one or both of your cars, and buy an older, cheaper car with a low-interest loan.
- Do you own any jewelry? You may be able to sell your jewelry.
- Do you have bonds, stocks, an IRA or a 401k you can cash in? Now’s the time to cash them in.
- Does your child have an Education Funding Plan or College 529 Plan? Some plans allow for funding of a stay in a therapeutic boarding school, residential treatment center, or wilderness therapy program.