Get Help with Medical Bill Expenses | PaydayLoansOnline

Loans For Unexpected Medical Bills: A Comprehensive Guide

Even without the financial element, dealing with unexpected medical bills can be overwhelming and stressful. As a direct lender specializing in loans for unexpected medical bills, we aim to present you with accurate and reliable information regarding unanticipated medical bills. We encourage you to read before you apply for a loan.

Unexpected Medical Bills in the UK

We delve into common types of medical procedures, their associated costs, and factors that can contribute to the bills. We also explore options for negotiating medical expenses and provide insights into potential avenues for financial assistance. Rest assured, we have verified our data and sources to offer you the most precise and trustworthy information.

Here’s a table with the top 10 most common medical bills people in the UK encounter, along with a short description and average cost:

  • Prescription Medications: Costs associated with prescribed medications. £8-£30 per item
  • General Practitioner Visits: Fees for consultations with primary care doctors. £30-£70 per visit
  • Dental Procedures Expenses for dental treatments and procedures. Cost varies widely.
  • Specialist ConsultationsL Charges for appointments with medical specialists. £100-£250 per visit
  • Hospital Inpatient Services: Costs related to hospital stays and treatments. Costs vary widely
  • Rehabilitative therapy: Expenses for rehabilitative therapy and treatment. £30-£60 per session
  • Diagnostic Tests: Charges for medical tests such as X-rays or blood tests. Costs Vary Widely
  • Optical Services: Costs associated with eye exams and prescription glasses. Costs vary widely
  • Mental Health Services: Fees for therapy sessions or psychiatric consultations. £50-£150 per session
  • Maternity Care: Expenses related to prenatal care and childbirth. Costs Vary Widely

The Original Angle of Medical Bills

In addition to covering the essential aspects of unexpected medical bills, we wanted to highlight unique situations and creative approaches our customers have taken to manage and reduce their medical expenses.

Name: Kristy from Liverpool

How Much: £1000 to cover Physiotherapy costs

For what: Physiotherapy for Back and Neck Pain

Rationale: Kirsty got Back and Neck Pain and couldn’t get to work. She knew that every day out of work was expensive and decided to go to a private physiotherapist and avoid the waiting time. She was instantly approved for £1000 and got the money in her bank within 90 minutes.

Medical Emergencies Loan – Kristy Case Study

Medical emergencies are very stressful and require quick actions. It is always recommended to keep aside a little sum for medical emergencies. Still, even if you do, sometimes you need extra cash to cover a specific medical emergency. For that, we have developed our bespoke lending path for urgent cases.

Nine equal payments of£192.45
Total Cost (Interest)£732.00
Total Repayable£1732.00
Personal APR398.32%

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Here Are a Few Additional Facts from Our Lending Department

  • Almost 15% of all our approved loans are for unexpected medical bills.
  • The top 5 cities in terms of people applying for unanticipated medical bills loans are:
    1. London
    2. Manchester
    3. Birmingham
    4. Bristol 
    5. Liverpool
  • The average loan size for unexpected medical bills is £640
  • Unexpected medical bill loan duration is typically 3-5 months. 

We are acknowledging that every situation is unique. By addressing relevant topics, we ensure that the content resonates with your circumstances and provides valuable insights to choose the correct credit for your unexpected medical bills.


We strive to provide you with the knowledge and resources to make informed credit decisions and manage your medical expenses effectively. Remember, you’re not alone in this journey, and with the correct information and support, you can successfully navigate the challenges of unexpected medical bills and, if required, apply for the right payday loan for your needs.

References & Information Accuracy

We consulted a team of healthcare experts and reviewed reputable medical sources to ensure you receive accurate and up-to-date guidance on managing medical expenses effectively.

  1. NHS (National Health Service): The NHS is the publicly funded healthcare system in the UK and provides reliable and official information about medical bills, including details about costs, coverage, and payment options.
  2. Citizens Advice: Citizens Advice is a trusted organization offering free advice and guidance on various topics, including healthcare and medical bills. Their website provides comprehensive information on understanding medical bills and steps to take if facing financial difficulties.
  3. Money Advice Service: The Money Advice Service is an independent body providing free and impartial financial advice. They offer valuable resources on managing medical bills, understanding healthcare costs, and exploring available financial support.
  4. The Patient’s Association: The Patient’s Association is a patient advocacy group that aims to improve healthcare experiences and support patients. Their website offers guidance on understanding medical bills, challenging incorrect charges, and seeking financial assistance.
  5. Healthwatch England: Healthwatch England is an independent consumer champion for health and social care services in England. They provide valuable information and resources to help individuals navigate the healthcare system, including understanding medical bills and accessing support.

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