Healthcare Loans
for Vision

Low Interest  Ι  Fixed Terms  Ι  Personal Loan

Checking your rate will not affect your credit score

  • $0 merchant fees
  • 12 to 72 month terms
  • 6 to 24 month promo offers
  • 9.99% APR
  • Greater case acceptance
  • Approvals up to $60,000
  • No prepayment penalties

Financing for Vision and Lasik Procedures

Vision and Lasik surgery are often considered elective procedures and are not covered by insurance. For something as essential as sight, it is important to consider alternate payment methods. At PowerPay, we offer financing specifically for elective healthcare procedures. By receiving for a vision loan, you will be able to translate expensive treatment costs into affordable monthly payments.

The Benefits of Vision Financing with PowerPay 

Powerpay specializes in making the process of financing an elective procedure both fast and easy. Some of our highlights include:

  • Soft credit pulls, so there’s no impact on your credit score.
  • No prepayment penalties or deferred interest, so you can pay off your loan at any time without penalty.
  • Low APRs and flexible repayment terms to help you pay your loans off affordably over time.
  • Excellent customer service available to help you through every step of the process.

How do I apply for a vision loan? 

Applying for a healthcare loan with PowerPay is easy! You can fill out our online application via our website, or your provider can send you a customized link. You will supply some basic information about yourself and your finances, including your treatment plan and driver’s license information.

Once you have been approved for your loan, your healthcare professional or practice will be funded for the cost of your procedure. After your procedure is complete, you will begin making monthly payments to PowerPay within 30 days, with amounts based on your chosen loan terms. You can pay off part or all of your loan early without any prepayment penalties.

Should you have any questions regarding financing, contact our customer service team at any time.

Vision Services

Cataract Surgery

A procedure to remove the lens of your eye and replace it with an artificial lens

Conductive Keratoplasty

A type of refractive surgery that uses radio waves to adjust the contour of the cornea by shrinking the corneal collagen around it. It is used to treat mild to moderate hyperopia


A corrective eye surgery in which a flap of the corneal surface is raised and a thin layer of underlying tissue is removed using a laser

Lens Replacement

A procedure that involves surgically replacing the eye’s natural lens with an artificial implant, or IOL (intraocular lens) in order to reduce refractive error and improve focus

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Term (In Months)

Interest Rate

Why might someone need vision care? 

Your eyes are your windows to the world — it’s important to keep them healthy and functioning for your quality of life. This can be in the form of routine eye exams and prescription sunglasses, or more complex care such as Lasik or cataract surgery. Depending on the procedure you need, eyecare can be expensive. It is important to understand the financing options available to you so that you can receive the care you need without any economic strain.

Does insurance cover vision care and lasik surgery? 

While some insurance plans may cover certain types of vision care, many procedures are considered elective and are not fully covered by providers. Luckily, there are many other financing options available to help you afford eyecare.

What are the typical costs of vision procedures? 

Costs of vision care and lasik surgery can vary depending on the practice, technology, treatment, and even geographical location. The general range of some popular procedures is commonly: 

  • Contact lenses: $200 – $2000 per year 
  • PRK: $1000 – $2000 per eye 
  • Lasik: $2000 – $3000 per eye 
  • Cataract: $3000 – $6000 per eye

What payment options are available for vision and Lasik surgery?  

There are several payment options available for vision care, including:

Out-of-pocket: You can pay for vision care with cash, check, or credit card.

Line of credit: You can take out a line of credit from a bank or other financial institution to pay for vision care.

Credit cards: You can use a credit card to pay for vision care. However, be sure to read the terms and conditions carefully before using your credit card, as some cards may have high interest rates or fees.

Personal loans: You can take out a personal loan from a bank or other financial institution to pay for vision care.

Vision financing: Vision financing is a type of loan specifically for vision procedures.

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Vision Financing FAQ

Are vision procedures covered by insurance?

Some vision insurances will cover corrective surgeries, but not elective procedures. Elective procedures are not covered because there’s no long term need for them. If you’re uncertain of coverage, seek out your vision insurance company for more in-depth information on whether or not a particular procedure is covered.

Can I get a loan for vision services and procedures?

Yes! In fact, oftentimes elective eye care procedures, for example LASIK which can range anywhere from $1,000 to $4,000, are too high for patients to afford without some kind of assistance. A small one-time loan can help translate lump sums into smaller and more affordable monthly payments.

How does vision financing work?

To start, find a qualified lender who offers vision financing, which can be done through a search online or possibly through the eye doctor. Once a lender has been found, an application needs to be completed which will include some basic information such as name, address, Social Security number, income and credit history. Once approved for a loan, the lender will provide a contract detailing the terms of the loan which should be read carefully before signing it so that all of the terms and conditions are understood.

Powerpay Vision Financing and Loan Program FAQ

Learn more about PowerPay financing and loan options available for vision procedures and treatments by visiting the PowerPay borrower FAQ.