Another way to get help with medical bills after a car accident is to speak with a lending institution about a personal loan or a medical debt consolidation loan. Personal loans and medical debt consolidation loans must be repaid over time. The good news is that the medical bills are paid immediately, and then you are able to have a longer period of time to resolve the debt. 

Luckily, many reputable lending partners have an online presence. This allows you to compare several lending organizations to one another. The first thing  you must do to get a loan to pay bills is to get pre-qualified.

This is accomplished by answering some questions on the website about your employment, income and expenses, and contact information. If you prequalify make sure to look at the interest rate they are offering you. 

Often these lenders have a lower interest rate but then make up the difference by charging fees for everything else. 

Most lenders respond to your pre-qualification application within the week. 

It pays to educate yourself on loan terminology so that you understand what is on offer to you. 

• Origination fees: Lenders often charge an upfront fee that covers the cost of processing the loan papers. 
• Prepayment penalties: If you pay off your loan early they charge you an additional fee. This is because they lose out on the interest payments they make if you pay off your debt early.
• APR (Annual Percentage Rate): This is the yearly rate you pay for the loan. 

In general you must have a decent credit score in order to pre-qualify for a loan with a decent interest rate. A good interest rate on a personal loan is between 2.9% to 7%.