What to expect
Real numbers.
No surprises.
See what a plan looks like before you apply, so nothing about it catches you off guard.
Your terms
The basics. And an example.
The basics
- Amount you can finance
- Your procedure cost, less any down payment
- How long you pay
- 12–72 months
- Rate
- Fixed for the whole plan
- Paying off early
- No penalty, ever
- Deferred interest
- None
- Checking your options
- Soft check, no score impact
Your rate and term depend on your credit and the plan your doctor’s office offers. You see both in writing before you sign.
An example plan
- Procedure cost
- $24,500
- Down payment
- $4,900
- Amount financed
- $19,600
- How long you pay
- 60 monthly payments
- Annual Percentage Rate (APR)
- 14.9% fixed
- Your monthly payment
- $465
Illustrative only. Not a credit offer. Actual terms are provided in writing before you agree.
Your plan
No deferred interest. No penalty.
What you see in writing is what you pay.
12–72
Months to choose from
Fixed
Rate for the life of the plan
$0
To pay it off early
Compare
The real cost of “no interest.”
Deferred-interest medical cards charge nothing if you clear the balance in time. Miss by a dollar and every month of interest comes back to day one.
Be honest with yourself. This number decides everything.
At $150 a month, $2,200 is still owed when the 12-month promo ends. That triggers $952 of interest charged back to day one. Clearing it in time would take $334 a month.
No-interest card
Deferred interest · 29.99% APR
- Paid off in
- 3 yr 7 mo
- Interest
- $2,326
- Total paid
- $6,326
Fixed payment plan
14.9% APR fixed
- Paid off in
- 2 yr 9 mo
- Interest
- $888
- Total paid
- $4,888
Same monthly payment, $1,438 less interest with a fixed plan.
Card figures illustrate a typical deferred-interest medical credit card at 29.99% APR; check your own card agreement. About 40% of subprime cardholders don’t pay off before the promo ends. Source: CFPB, Medical Credit Cards and Financing Plans, May 2023.
Illustrative only. Not a credit offer. Actual terms are provided in writing before you agree.
Next step
Ready when you are.
About two minutes. No effect on your credit.
No commitment required.