healthcare now. pay later.

Walnut helps you find the best personalized loans so you can pay for healthcare at your own pace.

GET matched with loan options in less than 60 seconds.
Two individuals discussing medical financing optionsHappy individuals with a tablet

We’ve pulled together some basics to help you get started.

How does Walnut work?

Walnut matches patients with loan offers after collecting some general information. We connect you with lenders who pre-approve you for financing.

The process takes about 2 minutes. Once complete, available loan options are presented.

You’ll leave the Walnut site to finalize the loan directly with your lender and the lender deposits the funds in your bank account within 1-3 business days.

From there, you use those funds to pay your provider and then pay the lender back in monthly installments.

Who can apply for financing with Walnut?

Currently, not just anyone. You must meet the following requirements to apply:
- US Citizen
- Valid SSN
- Some credit history

How long do I have to accept the loan?

If you do not accept a loan when you first apply, you’ll need to resubmit the application next time you visit. Lenders may also email you directly with the loan offers you were presented upon application submission.

Does this affect my credit score?

Applying only requires a soft credit check, so there is no effect on your credit score. After the loan is accepted, there may be a one-time hard credit check.

Please contact your lender should you have further questions on credit reporting for repayment.

How much can I apply for?

We encourage you to only apply for the amount your treatment will cost or how much of the treatment cost you’d like to finance.

If you’re receiving multiple services from your provider in the same time period, we encourage you to apply for the total combined cost.

If you need additional financing later on, you can always apply for another loan.

Are there any fees or interest?

Your loan may be subject to fees or interest. Currently, none of our lenders require prepayment fees.

Please contact your lender directly to inquire about their specific policies.

What if I already have a loan with Walnut?

If you have a loan financed by Walnut, you can login here to make payments. If you accepted a loan after 8/8/22, you do not have a Walnut loan; please login with your lender.

How does Walnut determine who gets approved?

Most lenders at several factors, the main two of which are income and credit score. Please ensure that you report your income and credit score accurately.

Which payment methods are accepted?

Typically, most of the lenders we partner with accept debit card and bank account payments. Please reach out to your lender for more information.

Why is my interest rate so high?

Double-check that your FICO score is correct. If not, apply again with the correct score.

What if I entered the wrong loan amount?

If you entered for the wrong amount, simply re-submit your information with the correct amount.

What if I no longer need the full loan amount?

You pay your provider for services rendered with the funds received. If you no longer need the full amount deposited to you, you can pay your lender back through monthly installments.

Please contact your lender directly to discuss billing details.