CareCredit offers two financing solutions: the CareCredit credit card and CareCredit Pay Later loan. The CareCredit credit card is a revolving line of credit that can be used again and again throughout our provider network. CareCredit Pay Later is a one-time-use installment loan with fixed monthly payments and clear payoff timeline.*

Here’s a detailed overview to explain to your customers:

• CareCredit credit card:
  • With our shorter-term financing options of 6, 12, 18 or 24 months, no interest is charged on eligible purchases of $200 or more when cardholders pay the promotional balance in full by the end of the promotional period. (Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments required.) This can help consumers spread out the cost of a health, dental or vet expense over time and pay no interest if the balance is paid in full within the promotional period.**
  • The CareCredit credit card also offers longer term special financing on qualifying purchases for 24-, 36-, 48- or 60-month periods with Reduced APR and Fixed Monthly Payments Required Until Paid in Full.**


• CareCredit Pay Later:
  • CareCredit Pay Later is an installment loan with a fixed monthly payment and a defined payoff timeline. It is available at select health and wellness provider locations nationwide can be useful for one-time treatments, procedures or purchases where a reusable credit line is not wanted or needed.

Yes. You can select the financing options for your practice from the Manage Promotions feature in our Provider Center platform. You must accept CareCredit for purchases.

No. CareCredit does not require a down payment from CareCredit cardholders when using the CareCredit credit card or CareCredit Pay Later Loan. Although different from a down payment, some CareCredit Pay Later loans may require an initial payment as part of the loan terms. If your practice or business requires a down payment, the transaction can be processed with the card.

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 medical insurance, and special financing options starting at 6 months for purchases of $200 or more are available that they may not be able to get with other cards.*** CareCredit also leaves room on other cards and credit lines for non-healthcare purchases.

No; if you are interested in offering CareCredit Pay Later, request a call from your Practice Development Representative.

Request a call from your dedicated Practice Development representative to add CareCredit Pay Later to your payment offerings.

CareCredit makes paying for care simple and can help consumers move forward with treatment by offering financing options. By providing CareCredit, you can empower patients and clients to accept your care recommendations and pay over time.* In fact, 76% of patients surveyed said they would seek more services for health and wellness care if they had ways to pay for them.¹ CareCredit’s clear terms and multiple financing options can give patients and clients the confidence to say yes to care.

Patients or clients can also check if they prequalify for both the CareCredit credit card and a CareCredit Pay Later installment loan in one seamless application. If approved for both, your patient or client can choose the financing option that fits their lifestyle and treatment plan.

CareCredit partners with health and wellness providers, veterinary practices, health systems and hospitals of all sizes across a wide range of industries, including:

• Animal and Pet Care
• Behavioral Health
• Chiropractic
• Cosmetic Surgery
• Day Spa and Salon
• Dental
• Dermatology
• Fertility
• Funeral
• Hearing
• Home Medical Equipment
• Health Systems
• Med Spa
• Medical & Other Specialties
• Ophthalmology
• Optometry
• Orthopedic
• Physical Therapy
• Women’s Health

You can get started with CareCredit by filling out our online form, and a member of our team will contact you as soon as possible. Or you can call us directly at 800-300-3046.

Your patients or clients can check if they prequalify for the CareCredit credit card and CareCredit Pay Later loan with no impact to their credit score by:

• CareCredit credit card
  • Using your custom link or QR code
  • Visiting carecredit.com/apply 
  • Applying at your location (must be 18+ to apply)
  • Your staff submitting an application on their behalf (in select states)
  • Applying by phone (must be 21+)


• CareCredit Pay Later
  • Applying at your location (must be 18+ to apply)

It’s a fast application with instant decisions for your patients or clients, and approved cardholders can use their credit to make purchases right away.

With shorter-term financing options of 6, 12, 18 or 24 months, minimum monthly payments are required. No interest will be charged on qualifying purchases of $200 or more when your patients or clients pay the promotional balance in full by the end of the promotional period.** These promotions are designed to reward customers who plan their payments and pay the balance in full within the promotional period. If the balance is not paid in full by the promotional deadline, interest will be charged from the original purchase date.

CareCredit also offers longer-term reduced-APR healthcare financing for 24, 36, 48 or 60 months on qualifying purchases. Fixed monthly payments are required until the balance is paid in full.

Reduced APR with fixed monthly payment offers are:^***

• 24 months with a 17.90% APR on purchases of $1,000 or more
• 36 months with an 18.90% APR on purchases of $1,000 or more
• 48 months with a 19.90% APR on purchases of $1,000 or more
• 60 months with a 20.90% APR on purchases of $2,500 or more

For the CareCredit, credit card, your patients or clients can pay their balances online. Simply download your custom link, then share the direct URL or QR code with your patients or clients on statements, emails, your website etc., or direct them to visit carecredit.com/pay on a PC, smartphone or tablet.

For CareCredit Pay Later, they will receive a link in their welcome email to access a portal. From there, they can review loan details, make payments, enroll in autopay and more.

Deferred interest is a promotional financing offer available on a credit card that means no interest is charged on an eligible purchase as long as the promotional balance is paid in full by the end of the promotional period.

These offers can help consumers spread out the cost of health, dental or vet expenses over time while paying no interest if they pay the balance in full on time. Learn more about deferred interest and why it matters for your practice.

Patient financing can help patients and clients manage costs that insurance doesn’t fully pay, such as deductibles, copays, coinsurance and other out-of-pocket expenses.

To help estimate what a patient may owe after insurance, providers can use the Provider Payment Calculator, which can account for insurance in the estimate and help patients better understand their payment options over time.

Yes. Depending on the patient financing option and provider program, patients may be able to finance deductibles and copays.

Introduce patient financing early and often, ideally before cost becomes a concern. It’s best to bring it up as part of the initial conversation, during scheduling, intake, consultation or when discussing treatment options, so consumers can consider payment options from the start.

For more guidance, see how to talk about credit card financing options with consumers.

Staff should introduce patient financing early, keep the conversation simple and present it as one of several payment options. A helpful approach is to mention it during scheduling, intake or consultation and offer consumers the chance to learn more without pressure.

These script examples for providers are an ideal place to start.

CareCredit offers transparent and consistent merchant fees tied to financing options, with no hidden transaction fees. To learn more about fees and financing options, fill out our online form to talk to a member of our team.

CareCredit pays your practice within two business days by making an electronic deposit into your bank account, minus our processing fee.

Regardless of whether a cardholder delays payment or defaults, you get paid within two business days. CareCredit is a non-recourse program, so if a cardholder doesn’t pay their CareCredit statement, it’s not your responsibility.^† The financial relationship is between CareCredit and the cardholder.

When you sign up to accept CareCredit as a patient financing solution, your team receives dedicated support — certified training, tools, marketing and client care. These resources can assist with:

• Clear financing discussions
• Streamlined payment processing
• Effective on-site and digital promotion of your acceptance of CareCredit

We make it easy to communicate that you offer a smart financing solution with free marketing materials for everything from waiting rooms and websites to emails and mobile devices – all available on our Marketing Toolkit page.