Patient FAQ
Which services/ products may I finance?
All cosmetic, dental, orthodontic, chiropractic, med spas, hair restoration, dermatology, LASIK, vision, hearing, weightloss, primary care, urgent care, and many other healthcare specialty procedures or products can be financed or offered a payment plan. Please ask your Participating Practitioner.
Is it true that I may be approved for financing, even though my credit report is not perfect?
Yes, you do not have to have perfect credit to get approved.
Yes. If you apply now and are approved, you can receive a 6, 12 or 24 month "No Interest" offer. Please ask your Participating Provider.
Is there a special financing offer? Yes/ No
Yes. If you apply now and are pre-approved, you will receive a 6, 12 and 24 month "Same as Cash" offer.
How long will it take to process my credit application and get approved?
Once you have completed the brief credit application process you could be approved in seconds and you will know which product/ services you are qualified for.
It is a fixed-term installment loan or payment plan agreement. NO SURPRISES!
There are a series of excellent lenders and payment plan servicers within the Patient Advantage Portal. All together they make it possible to offer financing options for many types of personal credit conditions as well as No Credit Check Payment Plan Agreements.
Applicants with limited to no credit, applicants discharged from bankruptcy, applicants that only have supplemental income (SSI, Disability, Retirement, Child Support, etc.), applicants with some history of late pays, charge-offs, foreclosures, presently within a loan modification, etc. and applicants with very limited income.
Loans or payment plans are issued on an amount from $100 to $100,000.
What are the down payment requirements?
There are no down payment requirements.
When will my first payment be due?
30-45 days from the date of signing the financial contract you will receive a billing statement by email.
Do I have to make a minimum payment per month and how much is it?
Yes. The minimum payment requirement is 3% of the treatment fee amount less any down payment and/or insurance coverage payment that may be applicable. Remember… NO DOWN PAYMENT REQUIRED!!!
What is the interest rate or APR?
The typical APR is between 3.99% and 14.99%.
Is this a revolving credit account or an installment loan?
It is a fixed-term installment loan. NO SURPRISES!
Who are the lenders?
There are a series of lenders and payment plan servicers within the Patient Advantage Portal. All together they make it possible to offer Super-Prime, Prime, Sub-Prime and No Credit Check Payment Plan Agreements.
What types of applicants are approved that other lenders deny?
Applicants with limited to no credit, applicants discharged from bankruptcy, applicants that only have supplemental income (SSI, Disability, Retirement, Child Support, etc.), applicants with a history of late pays, charge-offs, foreclosures, presently within a loan modification, etc. and applicants with very limited income or even unemployed.
What is the min/max loan or payment plan amount I can ask for?
Loans or plans are issued from $100 to $100,000.