Healthcare Loans
for Vision

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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


Vision Financing For Borrowers

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 Financing Vision with PowerPay

At PowerPay, we provide dedicated financing solutions tailored to healthcare procedures, enabling you to transform costly treatments into affordable monthly payments.

We offer financing specifically designed to help individuals cover the costs of vision procedures, especially for those without vision insurance. Our financing options provide several benefits, including:

  • Soft credit pulls, so there’s no impact on your credit score.
  • Ability to add a co-applicant to a loan.
  • 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 to Apply

Applying for vision financing with PowerPay is simple:

  1. Apply Online, In-Person, or Through Your Doctor: Choose the most convenient way to apply for your loan, including a personalized link through your trusted provider.
  2. Provide Basic Information and Documentation: Fill out an application form and provide basic personal information, including your treatment plan and a copy of your driver’s license for verification purposes.
  3. Sign Loan Documents: Once your application is approved, you’ll receive loan documents to review and sign electronically.
  4. Funding Your Procedure: After signing the loan documents, your doctor will receive the funds necessary to cover the cost of your procedure, ensuring a seamless experience without any delays or complications.
  5. Begin Making Payments: Within 30 days of receiving your dental procedure, you’ll start making affordable monthly payments to PowerPay. Our flexible payment options make it convenient to manage your financial obligations.

At PowerPay, we strive to provide a hassle-free financing process, empowering you to prioritize your health.

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Term (In Months)

Interest Rate

Does insurance cover vision procedures? 

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.

Average 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

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with rates from 4.99% and up to 20-year terms, you get the lowest monthly payment

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Vision Financing FAQ

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.

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.

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.