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Home » Personal Loans » Pay For Chiropractic Care With These 6 Financial Tips

Pay For Chiropractic Care With These 6 Financial Tips

January 23, 2021 by Brian Allen

Receiving needed chiropractic care is extremely important. The alignment of the spine can have a major effect on the nervous system. After all, your spinal cord is located under your spine. The flow of messages from nerves that extend from the brain to the body and then back again, must exist uninhibited by spinal issues. Messing up this nerve message flow can affect how well we function.

Chiropractic care doesn’t only focus on the back, but uses the spine as a way to improve a variety of ailments, including migraine headaches and foot pain. Ignoring chiropractic care will only serve to make things worse, as physical issues that stem from the spine don’t typically heal themselves. Financial shortcomings should not hold you back from care. Here are 6 financing tips you can use to seek chiropractic care.

Table of Contents
 [hide]
  • 6 Ways to Get Financing for Chiropractic Treatments
    • CareCredit
    • Personal Loan
    • Medical Loan
    • Credit Card
    • Side Hustle
    • Microlending
  • Is It Worth It In The End?

6 Ways to Get Financing for Chiropractic Treatments

  1. Care Credit
  2. Personal Loan
  3. Medical Loan
  4. Credit Card
  5. Side Hustle
  6. Microlending

CareCredit

If you’ve been experiencing secondary symptoms to a spine that’s out of whack, we can help. Do tingling arms and acid reflux sound familiar to you? Well, there are dozens more that go hand in hand with spinal issues. You need it taken care of now! Care Credit is a company that essentially extends a line of credit to you that can be used at medical offices that accept it. It is a credit card, and it’s quite easy to receive financing for it. You can use it to cover your deductible if you’ve got insurance, or to cover the cost of your care if you don’t.

Pros

Cons

  • Caters to people with bad credit

  • Get approved fast

  • Make payments on time to rebuild credit

  • Often comes with 0% interest rate for first few months

  • CareCredit interest rates can soar as high as 26.99% APR

  • Interest accrues after introductory period

  • Possible to get stuck in a debt trap if you only make minimum payments


Personal Loan

If you need your spine shifted, you’ll want to do it sooner rather than later. The agony back pain can cause doesn’t have to be your way of living. A personal loan is a quick way to get the extra cash that you’ll need to pay for your adjustment. You may have some follow up appointments, so be sure that you have taken out enough to cover aftercare.

Pros

Cons

  • Personal loan interest rates are typically low

  • Certain lenders have better interest rates than others

  • Make payments on time to rebuild credit and get a higher credit score

  • Often comes with 0% interest rate for first few months, depending on the lender

  • Only worth it if you have a good credit score.  Otherwise, interest rates will be very high

  • If you lose your job or income, you're left on the hook for any remaining balance

  • Applying for a personal loan could drop your credit, but is temporary in most cases.


Medical Loan

A medical loan can help if you are in need of a chiropractic check up or adjustment. Medical loans will typically lend to those who have low credit scores as well, so don’t put off chiropractic care just because you think you may not be approved.

Pros

Cons

  • Lenders who specialize in medical loans offer creative financing

  • If you have good credit, its easy to get approved fast

  • Rebuilds your credit and jumps your credit score up a few notches when making on-time payments

  • Often comes with 0% interest rate for first few months (depending on the lender)

  • As with any loan or credit line, paying the interest is never fun.

  • Interest accrues after your introductory period, if offered one

  • Easy to get stuck in a debt trap if only the minimum payments are made


Credit Card

There are dozens of available credit card options, other than Care Credit! Logging onto sites like Credit Karma or Lending Tree will tell you which credit cards will best suit your credit score and your financial situation. The approval process is a simple, quick online application.

Pros

Cons

  • Allows you to float cash flow

  • Get approved fast with great credit

  • Get fast chiropractic treatment once approved

  • Often comes with 0% interest rate for first few months

  • People with bad credit may not have a high enough balance to pay in full

  • As  always, the interest accrues after the introductory period (if its a 0% Interest credit card)

  • Fail to make minimum payments on time and you could run into financial trouble.


Side Hustle

If you’re in pain, or experiencing symptoms like allergies, vertigo, knee pain or headaches, you may need a spinal adjustment. An established, reputable chiropractor should take a look at you right away. Starting up a side hustle, such as freelancing, working for an app startup like Uber or Instacart or selling your things on sites like Poshmark can earn you some pocket money fast!


Pros

Cons

  • Avoid interest fees on loans and credit cards

  • Great way to earn extra money

  • A hard credit enquiry is not needed if you save and pay in full with cash/check/debit.

  • A side hustle might just be what you need

  • Could take a while to save up the money

  • Must have an in-demand business or service idea in mind that customer are willing to pay for

  • If you already have a full-time job, it could be easy to get burnt out because of limited time in the day


Microlending

Your friends and family should know how important your health is to you, and it’s likely important to them as well. There is nothing wrong with asking to borrow a bit of money. Chiropractic issues should not be ignored. If you deem it necessary, you can draw up a written contract and even set it to accrue interest so you don’t feel guilty about your borrow. This is a good way to keep things professional.

Pros

Cons

  • Avoid paying any interest in most cases

  • No hard credit enquiry pulls that drop your credit score

  • Gives you an opportunity to show people they can trust you

  • You don't have to deal with banks or creditors

  • It can be difficult to swallow your pride and ask family or friends for a loan

  • If you can't pay them back, you might jeopardize your relationship

  • Possible to get stuck in a debt trap if you only make minimum payments


Is It Worth It In The End?

Chiropractors focus not only on the spine, but on a variety of separate health conditions that are affected by the misplacement of the spine. While a traditional chiropractor will focus on pain reduction (which is very important), we like to focus on the shifts that the spine takes from its normal state of being. You’ll hear us refer to this as a structural shift. If your spine is your foundation, which it is, then a shift can be devastating.

A crack in the foundation of a home can cause a crack in the second story bathroom wall. With that said, a shift in your spine can certainly cause unwanted activity elsewhere, such as headaches or nausea.

Since issues with the spine, or a structural shift, can cause so many other problems in the body other than pain, it’s important to stay on top of chiropractic care. If you receive regular, or even preventative care, your quality of life will improve drastically. Do not let lack of funding keep you from treating your body well. It’s the only one you have, and it requires a healthy spine to function. Financing options are readily available and nowhere near as intimidating as you think.

Filed Under: Personal Loans

About Brian Allen

Brian Allen has been helping people make smarter financial decisions for over 10 years. As the Editor-in-Chief for Goloans, Brian writes about sage financial advice, "how to" articles, and reviews about lenders and creditors.

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