Together, we're offering more ways to pay for orthopedic care.

Ortho Carolina logo

You're one step away from an instant loan decision.

How to apply.

OrthoCarolina will call you to schedule your procedure and discuss your out-of-pocket costs. If you’re interested in financing, they’ll connect you with your Ally Lending Care Coordinator.


If you already scheduled your procedure and you know your out-of-pocket costs, apply now to begin your loan application process.

What we need.

•  Your out-of-pocket total from OrthoCarolina

•  The date of your scheduled procedure

•  Your email address to receive your eSign documents

•  A government-issued ID

•  Your Social Security number

What we offer.

Affordable monthly payments.

We make orthopedic procedures affordable and budget-friendly with extended term options and fixed interest rates.

Quick pre-qualification.

You may pre-qualify for a loan with no impact to your credit score. If you pre-qualify, you will be able to select the financing solution that best fits your needs and complete the remainder of the application. This part of the process requires a credit check, which may affect your credit score.

Budget-friendly monthly payments.

With terms ranging from 12 – 60 months, and loan amounts from $650 – $40,000, our installment loan offers affordable fixed monthly payment options to fit your budget, and there’s no penalty if you decide to pay off the loan early.


Example of of monthly payment terms: payments of $47.57/month for 60 months for $2,000 financed at 14.99% APR.

Easy loan management.

Our easy-to-navigate online experience and dedicated service team ensure you can manage your loan with ease.

Call us with questions at 1-888-385-2166.

Monday – Friday, 8 am – 10 pm ET; Saturday, 10 am – 5 pm

A few things you should know.

Annual Percentage Rate (APR) ranges from 9.99% to 21.99%. Terms range from 12 months to 60 months, depending on the product selected. APR is determined based on the applicant’s credit score, loan amount, loan term, and credit usage and history at the time of application. To qualify, a borrower must be a U.S. Citizen or permanent resident in an eligible state, be at least 18 years of age, and meet the applicable underwriting requirements. Ally Lending reserves the right to modify or discontinue products and benefits at any time without notice. All APRs, terms and payment plans may not be available at all providers. Please consult your provider for availability and applicable rates.


All loans are unsecured personal loans originated by Ally Bank, Member FDIC. Subject to credit review and approval.