I have learned to be very vigilant with my credit. I also applied for the loan and when I got all the paper work and read ALL of it, there are almost $2,000 worth of charges PLUS 10% interest rate. They were not even covering the whole cost of the surgery! Tey offered me about $6,500 and my total loan amount owed still came to $8,000. I called them back and said NO THANK YOU! and they even had the nerve to write me a letter and say "Unfortunatly due to your credit history, we cannot extend a loan to you at this time." They are a bunch of crooks! I ended up putting the surgery cost on my credit cards with a much better deal!
In adition to the loan amount they charge a Doctor Adjustment Fee. I asked where this $200 per month fee goes, and they said to the bank who is loaning me the money. Then I asked in adition to the interest payment! WTF?! So please make sure you use them as a last resort!