When health issues arise, the last thing you should worry about is how to pay for care. But for many families, even with insurance, the bills can feel overwhelming — hospital stays, dental procedures, prescriptions, or therapy sessions that stack up faster than expected.
At Time Financing Service®, we believe no one should delay treatment because of financial stress. Our medical loans in North Carolina give you room to breathe — helping you manage medical expenses in a way that’s affordable, simple, and fair.
Whether you’re covering an unexpected emergency or planning a major procedure, we offer personal loans from $1,500 to $12,000 with clear terms and predictable payments. You’ll know exactly what to expect each month, giving you one less thing to worry about while you focus on recovery.
A Smarter Way to Handle Medical Costs
Medical expenses don’t wait for the right time. Maybe your child needs urgent dental care, or you’ve just received an unexpected hospital bill. Perhaps you’re planning a procedure your insurance doesn’t fully cover. Whatever the situation, a medical loan offers flexibility without the pitfalls of revolving debt or confusing payment plans.
Time Financing Service® has been helping North Carolina residents for more than 60 years. Our approach is simple: fast approvals, clear terms, and local support you can rely on.
Here’s what you can expect:
Quick applications and decisions—apply online, by phone, or in-person at one of our convenient branches
Loan options that fit your specific needs and comfort level
Fixed monthly payments with no surprises or hidden fees
Local guidance from people who live and work in your community
With 25 locations across the state of North Carolina, we’re proud to serve our neighbors with practical financial solutions that put care within reach.
What Makes a Medical Loan from Time Financing Service® Different?
We’ve made borrowing as straightforward as possible, so you can focus on your recovery instead of worrying about the fine print.
Step 1: Apply Online, by Phone, or In-Person
Start your application from home, by phone, or visit one of our local offices. Our lending specialists will guide you through the process and answer your questions.
Step 2: Review Your Loan Offer
Once your information is reviewed, we’ll provide a personalized loan offer—typically between $1,500 and $12,000—based on your needs and budget.
Step 3: Use the Funds as Needed
Pay hospitals, clinics, dentists, or specialists directly, or consolidate multiple medical bills into one manageable payment.
Step 4: Repay with Confidence
Make one predictable monthly payment until your balance is paid off, giving you clarity and peace of mind throughout the process.
Why a Medical Loan Can Make Sense
Medical loans can help you stay financially steady during times of uncertainty. Rather than relying on revolving debt or payment plans that grow over time, a fixed-rate personal loan gives you structure and control.
With a medical loan, you can:
Avoid delaying or skipping necessary treatment
Simplify finances by combining several bills into one
Protect savings for future emergencies
Choose repayment terms that fit your lifestyle
Every situation is different, but with a medical loan from Time Financing Service®, you’ll have options that support both your health and your financial well-being.
Start Healing with Financial Peace of Mind
Health challenges can be overwhelming, but the financial part doesn’t have to be. Time Financing Service® makes it simple to manage medical costs without added stress or confusion.
With 25 locations across North Carolina, our team is ready to help you handle unexpected expenses, surgeries, or ongoing care with clarity and confidence.
Apply online today or find your nearest Time Financing Service® location to get started on your medical loan.
Frequently Asked Questions
What is a medical loan?
What can I use a medical loan for?
How is a medical loan different from a credit card or payment plan?
Are medical loans covered by insurance?
Can you use a medical loan for medical equipment or medication?
*All loans subject to the current credit policy of Time Financing Service®.
**Available in most cases. Some exceptions may apply. Processing fees apply.