Surgery financing · Guadalajara & Cuernavaca

Finance your surgery. Focus on healing.

Your doctor starts your case. We take care of paying everyone — surgeon, hospital, suppliers — the day of your procedure. You recover, and pay at your own pace.

Pay it off in 90 days. Interest-free.

Fixed rate: 2% monthly (24% annual) on outstanding balances + VAT. Applies when you pay off the full balance before day 90. CAT [PENDIENTE]% excl. VAT, for information only. Restrictions apply.

Explore your options I need to finance my surgery

Father carrying his daughter by a white fence

A Mexican companyVerified, licensed physiciansYou pay nothing before approval

I’m a physician or hospital →

Simulator

Explore your options.

No sign-up, no commitment, no credit-bureau hit. All you need is your doctor's or hospital's quote.

How it works

Five steps, no hidden fine print.

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.

Did your doctor tell you about CiruFia?

That’s a good sign: it means your surgery has a path. Explore your options and, when you’re ready, apply from your phone.

Start my application

Did your hospital tell you about CiruFia?

If the option came at the finance or admissions desk, the path is the same: explore your options and apply from your phone.

Start my application

Hasn’t anyone told you about us yet? Explore your options and discuss it with your doctor.

Why CiruFia

Numbers that don’t hide.

Every cost — CAT included — is in your simulation and your statement before you sign.

Your doctor is your doctor.

You choose your doctor and your hospital; we take care of the financing.

Payments that fit your life.

Biweekly or monthly, whatever works — and you can get ahead whenever you want, with no penalty.

People, not paperwork.

We’re a real team in Guadalajara and Cuernavaca. Message us on WhatsApp and a person answers.

FAQ

The questions you’d ask before trusting us.

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.

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.

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.

See all questions →

Your surgery doesn't have to wait for your savings.

Operating in Guadalajara, Jalisco, and Cuernavaca, Morelos.

I need to finance my surgery I’m a physician or hospital