For patients

Your health shouldn’t wait for your savings.

A surgery shouldn’t be decided by fear of the cost. Here’s how financing one with CiruFia works, what to expect, and what it would cost — calmly, and with no commitment at all.

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First things first

What is CiruFia?

What we do

When you decide to have your surgery, we pay your doctor and your hospital directly on the day of your procedure. You pay us afterward, at your own pace, in fixed biweekly or monthly payments, with a fixed rate on outstanding balances. Restrictions apply.

Who we are

A Mexican company that finances surgeries with its own funds, headquartered in Guadalajara and operating in Guadalajara and Cuernavaca.

What we are not

We are not a bank or a hospital. Everything medical — your diagnosis, your surgery, your recovery — belongs to your doctor, with the doctor and hospital you choose. Our part is making sure money isn’t the obstacle.

How it works

Five steps, explained calmly.

The option arrives — or you find it

Your doctor or your hospital brings up the option. Found us on your own? That’s a good start too.

Explore with no commitment

The simulator shows you estimated payments with your own numbers — no sign-up, and it never touches your credit.

Apply when you’re ready

It takes minutes from your phone, and a family member can do it for you. With complete documents, we answer within 24–48 business hours.

Everything clear before you sign

Your down payment, your opening commission, and every payment appear on your statement. You sign in person, no surprises.

The day of your surgery arrives

We pay your doctor and your hospital directly. You focus on recovering — and pay at your own pace, biweekly or monthly.

If you’re not approved, you pay absolutely nothing — we cover the cost of the review.

Paying your plan

Payments that fit your life.

Choose the rhythm that suits you

Biweekly or monthly. Your payment is fixed and you know it before you sign.

Can you get ahead on payments? Do.

There is no penalty whatsoever for paying early — your plan is a floor, not a ceiling.

And if you can pay it off soon: pay it off in 90 days and pay no interest — with full payoff before day 90. Restrictions apply.

Explore your options in the simulator →

Your safety

How to recognize CiruFia — and whoever isn’t.

You never pay before your approval

CiruFia does not request or receive any payment before your formal approval. Any “reservation” or advance requested before approval is NOT CiruFia — report it to contacto@cirufia.mx.

We never ask for your credentials

CiruFia never requests passwords, PINs, or verification codes by email, WhatsApp, phone, or external links. Payments are made only to the SPEI accounts named in your contract.

Your bureau, only with your signature

Accessing your credit history requires your express written authorization. The simulator never generates a bureau inquiry.

Your health data, protected

It is sensitive personal data under the LFPDPPP (Official Gazette 03-20-2025). See cirufia.mx/privacidad.

The next step

When you’re ready

When you decide to take the step, talk it over with your doctor or your hospital — they start your case — and complete your application from your phone. It helps to have your INE and your proofs of address and income at hand. A family member can apply for you, and a co-signer can strengthen your application. We answer within 24–48 business hours.

FAQ

Everything you’re allowed to ask.

And if your question isn’t here, message us on WhatsApp — it’s our information channel.

Who is CiruFia and why should I trust you?

We’re a team in Guadalajara and Cuernavaca that does exactly one thing: finance surgeries, with our own funds, under Article 87-B of the LGOAAC. We’re not a bank or an insurer — and we don’t pretend to be. We’re the way your surgery stops waiting on your savings.

Why did my doctor tell me about CiruFia?

Because they saw that the price was the obstacle — not the surgery. Doctors and hospitals in the Red CiruFia offer financing as an option, never as a condition. The decision is yours, and your medical care doesn’t change one bit if you say no.

Is this like getting a credit card?

No. It’s credit built for a surgery: fixed term, fixed payments, and a fixed rate on outstanding balances. You know from day one how much you’ll pay and when you’ll be done — it’s all in your statement before you sign. Restrictions apply.

How much does it cost?

It depends on your surgery, your down payment, and your term — that’s what the simulator is for. Try it with your own numbers: it doesn’t ask your name, doesn’t touch your credit, and doesn’t commit you to anything. The official numbers for your credit are given to you in writing, in your statement, before any signature.

Does using the simulator commit me to anything?

To nothing. It’s a tool for exploring, as many times as you like. It doesn’t register you, doesn’t query your credit bureau, and doesn’t create any application.

Does the bureau inquiry affect my history?

When you do decide to apply, it’s a single inquiry, and only with your written permission. Exploring the simulator never touches your credit.

What if I’m not approved?

You pay nothing. We absorb the cost of the review, and your relationship with your doctor stays exactly the same.

Can I pay early?

Please do. There’s no penalty — and if you pay everything off within 90 days, the interest is on us. Restrictions apply.

What if one month gets complicated?

Write to us before your payment date — we’re people, and we’ll talk to you like people. Your contract details the terms for late payments, and our team will walk you through your options clearly, with no surprises.

What do I need to apply?

Your INE, proof of address, and proof of income — plus a quote from your doctor or hospital. A family member can apply for you, and a co-signer (someone who trusts you and signs with you) can strengthen your application.

What if my surgery changes date?

The clinical side is always decided between you and your doctor. If your procedure moves, write to us at contacto@cirufia.mx and we’ll review it with you.

Is CiruFia a hospital? Can you find me a doctor?

No and no — and that’s a good thing. The medical side belongs to your doctor: they diagnose, they operate, and you choose them freely. Our side is making it payable. Your payment obligation is independent of the clinical outcome.

Which cities are you in?

Today, Guadalajara and Cuernavaca. We want to reach more places — but we’d rather do it right than do it fast.