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St. Jude's Financing Options

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We aim to help everyone, regardless of their financial situation, find a solution to their alcohol and drug problems.

Finance the Saint Jude RetreatsArranging financing for your substance use program shouldn't be a complicated or long, drawn out process. We, here at the Saint Jude Retreats, have done our homework. We have partnered with leading finance companies like Light Stream, Prosper Healthcare Lending, and M-Lend who offer affordable lending options so you start your program quickly and begin your new life today.

Before you apply we highly recommend you speak with one of our Caring Consultants, who will be able to help you choose the best option.

Prosper Healthcare Lending

Prosper Healthcare Lending has monthly payment plan options with no penalties on your credit score to pre-qualify. (Known as a soft inquiry) You can start your pre-approval process by phone or online and have an answer in as little as 2 minutes. (Minimum Credit Score Required - 640)

To apply simply fill out the application to get a pre-approval decision or if you prefer, you may call and speak to a Prosper Healthcare Lending Representative at 800.625.7412. (If calling Prosper directly please reference our Provider #: 003399)

Your Prosper Healthcare loan is funded directly into the bank account of your choice so it is easily and quickly accessible. Once you are pre-approved for funding, you are welcome to start your program at Saint Jude Retreats with your paid registration fee as well as the pro-rated weekly amount for the first week.


LightStream (A Division of SunTrust Bank)

LightStream offers a unique lending solution that allows customers with strong credit to borrow funds for purchases that had previously required collateral, or that fall into categories where few or no loan options exist. With fixed competitive rates and flexible terms, a LightStream loan for $5,000 to $100,000 can be delivered directly to a borrower's bank account, often as soon as the same day. There are no fees or charges, nor penalties for early payment. (Minimum Credit Score Required - 680 with very low interest rates)

LightStream Provides:

  • Flexible Loan Amounts That could cover the Cost of Your Program
  • Same Day Funding Available
  • Simple online application which takes minutes to complete.



With M-Lend, you must apply by phone by calling Mr. Don Goldberg at 888.474.6231 to learn more about the financing options available. 0% APR may be available for some qualifying borrowers. The loan is mailed to the credit applicant as a credit card 7-10 business days after the loan is approved. The credit card must be activated at that time to pay the Saint Jude Retreat Program balance. Your financing can then be paid off in an affordable monthly payment schedule.

Finishing Your Loan Process:

Each lender requires specific documentation to finish up the lending process after pre-approval and fund the loan. The lender you choose will let you know specifically what you need to send to complete the loan application for funding but some of the documents that are typically required are:

  • Copy of Photo Identification-- can be a Driver's License or Passport
  • Copy of your most recent paystub to verify income-may substitute current year's W2 or tax return
  • Copy of current utility bills with address matching that listed as your home address on your application

Additional Questions?

If you have more questions about financing or need additional help getting through the lending process, we're here to help you.

Here at Saint Jude Retreats, we are dedicated to helping our guests and their families tackle the lending process as easily and quickly as possible.Our Family Consultants can help you resolve any questions or concerns you may have.


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