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Hearing aids are expensive ($1,000-$8,000 per pair) and rarely covered by insurance. Here are the bad-credit financing options for 2026.
Explore an option
If you are reading this, you likely want a clear next step. Here is one worth knowing about.
Top hearing aid financing options
1. CareCredit
Most audiologists accept CareCredit. 6-24 month 0% APR promotional periods.
2. Manufacturer-direct programs
Phonak, Oticon, ReSound all offer financing through their dealer networks.
3. Costco Hearing Center
Significantly cheaper than independent audiologists. Often 50-70% lower for equivalent technology. Some Costco store cards work for financing.
4. OTC hearing aids (cheaper alternative)
Since 2022, FDA-approved OTC hearing aids ($200-$1,500 per pair) are available without prescription:
- Eargo: $1,200-$2,000 per pair, comes with Affirm financing.
- Lexie: $800-$1,300 per pair.
- Jabra Enhance Plus: $799 per pair.
5. Affirm or Klarna for OTC purchases
For severe hearing loss
If you have moderate-to-severe hearing loss, OTC options may not be sufficient. Audiologist-fitted prescription hearing aids deliver better results.
Verdict
For mild-to-moderate hearing loss, OTC hearing aids with Affirm financing dramatically reduce total cost. For severe hearing loss requiring prescription aids, Costco Hearing Center + CareCredit is the smart pathway.
Reminder: Approval and terms vary by lender. Verify rates and fees before applying. Consult medical professionals for treatment decisions.
One more worth bookmarking
Whatever you choose above, this is a useful, no-cost companion tool for anyone working on their credit.