Oh my god, you would not believe the finance nightmare I went through and didn't have an answer of being financed or not until the day I was flying out. It was frickin ridiculous. Anyone who is considering having the surgery, I would NOT got through Citerra Financial. They are the worst. Some guy named, crap I lost the email, but anyway I applied the day I decided to do the surgery and scheduled my appointment. I made $97,000 last year, my credit isn't the greatest, the bad things are from like 5 years ago when I got in my car accident, and only have a couple of new accounts and they are in good standing. I had to email him 5 times to get a response whether I was approved or denied the week before the surgery, applied a month before. I think because finally my last email I was a little harsh, he decided to say oh your denied!! So then I reapplied with my mom as a co-signer who makes around the same as me and has excellent credit, and he said if she co-signed there would be NO problem. The day before I left I had to email him twice to get an answer, and he denied us again. What the H~LL! This is the most unprofessional company I have ever come acrossed. Ended up going through Mymedicalloan.com, still had to have my mom co-sign. I financed only $5000 and paid the other $3000 in cash.
Sorry for the long story, but I understand your frustration. I didn't know if I was able to leave for the surgery until the day of because Citerra screwed me over. Try MymedicalLoan.com