FigCare Pay helps you explore weight loss financing options from multiple lending partners, so you can find a payment plan that fits your budget and treatment goals.
The offers displayed on this website are from third-party advertisers.
FigCare Pay receives compensation from participating lending partners when users are referred through our platform. This compensation may influence which financing offers appear on this website, as well as the order in which they are displayed.
We do our best to present a variety of offers, however the lenders and loan products featured do not represent every financing option available.
There are several ways to pay for weight loss treatment, including insurance, manufacturer savings programs, HSA or FSA funds, self-pay, and financing. Start by finding out what insurance or available savings programs will cover. If you still have an out-of-pocket balance, you can then compare ways to pay the rest.
What counts as weight loss treatment has broadened in recent years, and so have the ways to pay for it. Below is what each option tends to cost today, the trade-offs to weigh, and what to look at if you decide to spread the cost with financing.
The right treatment depends on your health history, goals, and medical needs. Talk with a qualified healthcare professional about which options may be appropriate for you before deciding how to pay for care.
How much you pay depends on the treatment. Prescription medications often run a few hundred dollars a month through direct programs, medical weight loss programs may cost a few hundred dollars per month depending on the services included, and surgery is usually a larger one-time cost in the thousands.
These are typical ranges rather than fixed prices, because your dose, provider, location, and insurance all affect the final number.
| Treatment | Typical Cost Without Insurance | How You Usually Pay |
|---|---|---|
| Weight loss injections (Wegovy, Zepbound, Ozempic) | About $299 to $499 a month direct from the manufacturer; higher at retail | Monthly self-pay, sometimes with financing |
| Oral weight loss medication | About $149 to $349 a month | Monthly self-pay |
| Medical weight loss program (telehealth, coaching, labs) | About $100 to $450 a month, sometimes bundled with medication | Monthly membership or a financed package |
| Weight loss surgery (gastric sleeve, bypass) | About $9,000 to $25,000 or more | Insurance if eligible, otherwise self-pay or financing |
These ranges reflect typical 2026 self-pay costs and vary by dose, provider, and region. Direct medication prices come from the manufacturers’ own self-pay programs and can change.
Because costs vary by treatment, your payment options may differ too. The sections below walk through the options for medications, programs, and surgery.
You may be able to combine more than one option rather than relying on a single one. A common approach is to start with whatever insurance or a manufacturer program covers, apply any pre-tax health dollars you have, and then compare ways to pay any remaining balance, which can include financing it over time.
Each option works differently, with different costs, requirements, and trade-offs.
| Way to Pay | How It Works | May Be Useful For | Watch Out For |
|---|---|---|---|
| Manufacturer self-pay program | Buy the medication directly from the manufacturer at a set cash price | Paying out of pocket for injections or pills | Requires a valid prescription, and the lowest prices can depend on staying on schedule |
| Personal installment loan | A fixed monthly payment over a set term through a lender or marketplace | Surgery, a treatment program, or other larger one-time costs | Interest accrues from day one, rates may be higher for borrowers with lower credit scores, and some loans carry an origination fee |
| Insurance coverage | A plan covers part or all of treatment when you meet its criteria | Surgery, and medications on plans that cover them | Many plans exclude weight loss drugs or require prior authorization and a documented history |
| HSA or FSA | Pay with pre-tax dollars set aside for medical costs | Prescribed treatment when you have funds available | Only helps if the account is funded, and FSA balances are often use-it-or-lose-it |
| Medical credit card | A card for healthcare costs, sometimes with a promotional period | Smaller balances you can clear inside the promo window | Deferred interest can be charged back to day one, often at 25 percent or more, if not paid in full in time |
| Clinic or in-office plan | The provider spreads its own fee across a few payments | Program fees at the practice offering them | Availability is limited, and plans often need a deposit and a short payoff term |
| Home equity or HELOC | Borrow against your home’s equity, with your home serving as collateral | The largest costs, such as surgery, when you own a home | Your home is the collateral, so falling behind puts it at risk |
| Combining sources | Combine a benefit, savings, and financing to cover the total | When one source does not cover the full cost | More moving parts to coordinate and track |
Several legitimate options may lower your out-of-pocket cost, from manufacturer savings programs to government price initiatives and sliding-scale clinics.
Check current prequalified offers from lenders in the SuperMoney network below. Comparing rates uses a soft credit check, so it won’t affect your credit score.
Without insurance, it often helps to find the lowest self-pay price first, then decide how to cover the balance. Self-pay prices for medications have come down in recent years, which can make a real difference in what you pay out of pocket.
For medications, a manufacturer’s direct program is often the lowest-priced route for eligible patients, and for a single month’s supply it may cost less than borrowing to pay for it. For surgery, ask the hospital or surgery center for its full self-pay price and what that price includes before you compare payment options, since self-pay rates and what they cover can vary. Some uninsured patients use provider payment plans, personal loans, or other financing to spread the cost over time. Whatever route you choose, confirm the itemized price with your provider or pharmacy first, so you borrow only what you reasonably need.
Possibly. Eligibility depends on the lender and factors such as your credit profile, income, the amount you request, and other underwriting criteria. Lenders use different eligibility requirements, so having fair or rebuilding credit does not automatically mean you will be denied. Available rates, terms, and loan amounts depend on the lender and your individual financial profile.
You may see “no credit check” financing advertised, but most lenders review your credit before approving a loan. Some lenders allow you to prequalify first using a soft credit inquiry, which does not affect your credit score. Certain factors may affect your eligibility or the terms you are offered, such as applying with a creditworthy co-signer or requesting a smaller loan amount. Because eligibility requirements vary by lender, comparing prequalified offers can also help you see what options may be available to you. Approval, rates, and terms are determined by the lender, and no approval is guaranteed.
Usually not. Checking prequalified offers that use a soft credit inquiry generally does not affect your credit score. A lender may perform a hard credit inquiry if you move forward with a formal application, which may temporarily affect your credit score. The timing of the hard inquiry depends on the lender.
That difference is why it can help to compare prequalified offers before committing. Prequalifying lets you see the monthly payment, term, and rate you may qualify for across several lenders using a soft inquiry, while a hard inquiry generally comes later, if and when you submit a formal application. Compare the APR, term, fees, monthly payment, and total repayment before choosing an offer.
The monthly payment is just one part of the picture. The APR, the term length, and any fees together determine what you will actually repay over the life of the loan.
A longer term lowers the monthly payment but usually raises the total interest you pay; a shorter term costs more each month but less overall. As an illustration only, here is how the same $10,000 surgery balance looks across two terms:
| Term | Estimated Monthly Payment | Estimated Total Interest |
|---|---|---|
| 36 months | About $337 | About $2,130 |
| 60 months | About $228 | About $3,650 |
Illustration only at a sample 13% APR to show the term tradeoff. This is not an offer. Your actual rate, payment, and total depend on the lender and your credit.
A few questions are worth asking any lender before you sign: Is there an origination or prepayment fee? Can you pay it off early without penalty? Is the rate fixed for the whole term? When comparing prequalified offers, look at the APR, monthly payment, repayment term, fees, and total amount you would repay—not just the monthly payment. You can check your rate with our partner SuperMoney in about two minutes, using a soft credit check that does not affect your credit score.
The option that fits depends on what you are paying for and how large the cost is. For a monthly medication, paying directly is often the lower-cost choice, while for a larger one-time cost such as surgery, spreading the payment over time may be worth considering.
For a single month’s supply, paying directly through a manufacturer’s program usually costs less, because you avoid borrowing costs. Financing may be worth considering for a larger expense, such as surgery or a full treatment program, when spreading the cost into monthly payments is easier to manage than paying all at once, though interest and fees can increase the total.
Bought directly from the manufacturer, the leading injections generally run about $299 to $499 a month depending on the medication and dose, with oral options often lower. Retail pharmacy prices without any program can still exceed $1,000 a month, so buying directly can make a meaningful difference.
Yes. Because weight loss surgery is often a large one-time cost, commonly $9,000 to $25,000 or more without insurance, some patients use a personal installment loan, a provider payment plan, or a home equity option to spread it into monthly payments. Interest and fees will add to the total you repay.
It varies by plan. Surgery is more widely covered when you meet clinical criteria, while many plans still exclude weight loss drugs or require prior authorization. Check your specific plan, and consider a manufacturer program or financing for any costs it does not cover.
Prescribed weight loss medication and surgery are often HSA or FSA eligible when they qualify as medical care, though eligibility depends on your plan and IRS rules. Financing may help with any balance those accounts do not cover, and it is worth confirming eligibility with your plan administrator first.
Checking prequalified offers that use a soft credit inquiry generally does not affect your credit score. A lender may perform a hard credit inquiry if you proceed with a formal application, which may temporarily affect your credit score. The timing depends on the lender.
There are several ways to pay for weight loss treatment, and the options available to you may depend on the type of treatment, your insurance coverage, and the amount you need to pay out of pocket.
Medications are more affordable directly from manufacturers than they were a year ago, so it is worth checking that price before borrowing. For larger expenses such as surgery or a comprehensive program, financing can make the upfront cost easier to manage by spreading it over monthly payments, though interest and fees can increase the total you pay. Whatever you are paying for, confirm the full price with your provider, check whether insurance or a manufacturer program applies, and if you do compare financing, weigh the APR, fees, term, monthly payment, and total repayment before deciding.
Are you a weight loss clinic or medical provider? See how to offer your patients monthly payment options.
Disclosure: FigCare Pay is not a lender, broker, or credit decision-maker. When you select “View My Offers,” you are redirected to an independent third-party loan marketplace where lenders determine all rates, terms, and approvals; FigCare Pay may receive referral compensation. Prequalification uses a soft credit check with no credit impact, though completing an official loan application may require a hard inquiry. All rates and payment amounts shown are illustrative estimates and do not constitute financial, medical, or legal advice.
YOUR ESTIMATE
MONTHLY PAYMENT
FigCare Pay supports healthcare businesses through two powerful financing approaches.
Make the cost of healthcare easier to manage with financing options that let you pay over time instead of covering the full cost upfront.
Receive funding directly while your patients manage their payments over time.
Compare financing and payment options for weight loss treatments, medications, injections, and bariatric surgery.
