Your health is a priority. So is the funding of your care.

At LCEFCIAL, we understand that accessing healthcare can be expensive. Whether it’s for medical procedures, dental care, cosmetic surgery, or specialized treatments not covered by insurance, we offer a simple and quick solution: the personalized medical loan.

Our goal: to allow you to receive the care you need without delay, with complete peace of mind, thanks to flexible, confidential, and accessible financing.

What the LCEFCIAL medical loan covers: 

• Dental care (implants, orthodontics, prosthetics)
• Cosmetic or reconstructive surgery
• Eye surgery (laser surgery, glasses, contact lenses)
• Hospitalizations or specialist consultations
• Care for a relative or child
• Fertility treatments or procedures not covered by insurance

The advantages of a medical loan:

• Loan amount: €1,000 to €20,000
• Fixed rate starting from 3.5% APR
• Repayment period: 6 to 60 months
• No detailed medical documentation required
• Fast disbursement: funds available within 48 hours
• Possibility of deferring repayments for up to 3 months
• Applications handled with complete confidentiality and discretion

Eligibility requirements:

• Be of legal age (18 years or older)
• Reside in the country of funding
• Have a regular income or a guarantor
• Provide standard supporting documents (national identity card, proof of address, proof of income)

Client example:

« My insurance only covered part of my dental surgery. With LCEFCIAL, I was able to obtain a loan of €3,500 to be repaid over 24 months. The process was simple, quick and respectful of my personal situation. »
— Olivia J. Teacher

Why choose LCEFCIAL?

• Fast and 100% online processing
• No hidden application fees
• Personalized and supportive guidance
• Transparent and secure financing

Take back control of your health without worrying about the cost.

Simulate your medical loan with LCEFCIAL and access the care you deserve.