Can US residents finance medical or dental treatment abroad?

Short answer: yes. US residents aged 18 or over can apply for instalment finance through Finance Health Group for medical or dental treatment at any hospital or clinic they choose, in the United States or abroad. Finance is provided by Klarna (up to $10,000), Sunbit (up to $20,000) and Zip (up to $1,500), over up to 24 months, subject to each provider’s own checks. Finance Health Group Ltd is a credit broker, not a lender (FCA FRN 915721). Credit is subject to status.

Who this guide is for

People living in the United States who are planning medical or dental treatment, at home or abroad, and want to spread the cost in instalments.

How it works

1. Check your eligibility on our website for any hospital or clinic – or use the link sent by your FHG partner hospital, clinic or agency.
2. You receive your finance application link by email and apply online with the finance provider, who usually gives a decision instantly.
3. Once approved, we email you the amount to be paid to you, the payment date and a secure link for your bank details. You pay your hospital or clinic directly.

What it costs

The finance provider shows you the full cost, including any interest, before you agree. Some plans are interest-free; others charge interest. A Management Fee, usually 10% of the approved amount, is deducted from the payout. The fee is shown before you apply and confirmed in your approval email.

Things to check before you travel

• The full treatment plan and price in writing
• What is included – follow-up visits, aftercare and any revisions
• How complications would be handled, and who pays for them
• Travel and medical insurance that covers treatment abroad
• How much you can comfortably afford to repay each month

Using an FHG partner

If you have your treatment at one of our partner hospitals, clinics or agencies within 3 months of approval, you can use your Management Fee as a 10% deposit towards your treatment price. We email you the partner list once your finance is approved. See clause 7.7 of our Terms and Conditions.

Treatment finance for US patients · How the Management Fee and partner deposit work · FAQ

Finance Health Group is a credit broker, not a lender. Credit is subject to status.

Content reviewed by David McKenzie, Finance Health Group Ltd (FCA FRN 915721). Last reviewed: 22 October 2026.