SearchEmpower more care with flexible financing.
Why CareCredit?
CareCredit is a trusted financing partner that helps people, practices and businesses thrive.
Flexible financing for health and wellness.
We offer special financing that cardholders can use again and again to pay over time for many types of care nationwide - no need to reapply.
Fast application. Instant credit decision.
Patients or clients can see if they prequalify in real-time with no hard credit check. If approved, they can use their card to pay for care right away.
Upfront payments for practices and businesses.
Providers get paid within two business days. We handle billing and collections, protecting you against payment delays and defaults.**
Transparent merchant fees and pricing.
We offer transparent merchant fees and pricing with clear payment terms for cardholders, plus no annual fee.*
CareCredit is accepted in many industries. Let’s explore yours.
Save time with a seamless integration.
CareCredit features integrate with many leading software platforms to help make offering financing easy and fast.
View integration partners
A trusted partner
Part of Synchrony, a Fortune 200 company with 90+ years of financial experience.
Real providers. Real results.
Have questions? We have answers.
With CareCredit, your patients or clients can count on a dedicated health and wellness credit card for products and services they want and need. They can use it to pay for out-of-pocket expenses not covered by insurance, and special financing options for purchases of $200 or more are available that they may not be able to get with other cards. When your patients or clients use CareCredit for their health and wellness costs, they can preserve credit availability on their general purchase credit cards for other types of purchases, which patients or clients may appreciate.
By offering convenient ways to pay over time with CareCredit, you can help patients or clients gain peace of mind and move forward with your recommended treatment. In fact, 42% of CareCredit cardholders said they would have postponed treatment if they could not pay using credit.**** The flexibility of payment options can help increase access to care.
CareCredit offers the following special financing options:
- With our shorter-term financing options of 6, 12, 18 or 24 months, no interest is charged on purchases of $200 or more when cardholders pay the full amount due by the end of the promotional period.
- CareCredit also offers longer-term special financing for 24, 36, 48 or 60 months with Reduced APR and Fixed Monthly Payments Required Until Paid in Full.
Yes—you’d be able to select the financing options for your practice from the Manage Promotions feature in our Provider Center platform. You must accept CareCredit for purchases.
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* See Rates and Fees for details.
** Subject to the representations and warranties in the Agreement with Synchrony.
*** Health and Wellness Analytics. 2023.
**** CareCredit Path to Care Findings, 2022.