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FinWise Bank loans made available to you through the Clasp Platform are not endorsed by MedCerts.
You've made it this far. We've got the rest.
A funding gap right before the finish is one of the worst feelings and it's way more common than anyone admits. You're not alone in this, and you don't have to put your career on hold to figure it out. We built this with MedCerts so you can keep going.
How It Works
The MedCerts Education Loan Program made available through the Clasp Platform¹ offers flexible financing without a cosigner, with payments now so things stay lighter later.
Enroll with MedCarts
Get accepted into a MedCerts program.
Apply for a No Cosigner Loan
Complete the application on the Clasp Platform¹. You'll need your program name and cohort date, your amount of need, and a reference contact.
Focus on learning
Predictable, fixed, monthly payments while you complete your program.
Payments done in 12 months
Make 12 fixed monthly payments and your repayment is complete. No decades-long obligation hanging over your future.²
Bridging The Gap
The students who walk through MedCerts go on to do work that matters. They keep clinics running. They take the call when a network goes down at 2 a.m. They're the ones patients see first, the ones who quietly hold healthcare and technology together every day. That work and the people who do it is what we need more of, not less.
MedCerts built this program because we believe the next great medical assistant, the next great cybersecurity analyst, the next great pharmacy tech shouldn't have their future decided by a tuition gap.
So focus on what you came here for; the patients you'll care for, the systems you'll keep secure, the lives you'll change. We'll make sure the cost of getting there doesn't get in the way.
Get to know the numbers
No surprise amounts, pay the same every month².
Allowing you to plan for the future and major milestones
No cosigner needed. Ever.
Autopay Benefits
You may be eligible for a 2.5% interest rate reduction when you enroll in AutoPay, reducing your interest rate from 9.90% to 7.40%.* AutoPay is optional and is one way you may save over the life of your loan.
*Enrollment in autopay is voluntary and is offered as an optional benefit only. It is not a condition of loan approval, closing, or any legal obligation under your loan agreement. You may cancel autopay at any time without affecting your loan terms. If automatic payments are cancelled, the interest rate reduction will be removed.
Frequently Asked Questions
¹ Clasp is not a bank. Loans are issued by FinWise Bank, a Utah-chartered bank, Member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
² The 9.90% interest rate is fixed at the time of application and does not change during the life of the loan. The Interest Rate may be lower or higher than your Annual Percentage Rate (“APR”) because the APR includes the Interest Rate, the timing and number of disbursements, the exact timing of your monthly payments and Applicable fees.
This repayment example assumes a $6,500.00 loan (the maximum loan amount) disbursed in one disbursement during the academic year, with a fixed Interest Rate of 9.90% and a 12-month repayment term. For a $6,500.00 loan: 12 monthly payments of $571.08 for a total repayment of $6,852.98. Payment amount reflects the maximum monthly payment. The APR for this loan is 9.89%.
³ There is no credit check required to receive a quote. If you choose to submit an application for funding, a hard credit pull will be performed at that time. Your credit score or history isn't the only thing that decides your approval or denial, but your credit will be checked.
Valid as of June 1, 2026.