SearchPut care first with Pay Later.
CareCredit Pay Later is designed to help your customers make the right moves in their care journey.
Our benefits
Designed to support every step of the way.
One application.
A single, 60-second application unlocks payment options: credit card, installment loan, or a choice between the two.
Instant access.
With a decision in under six seconds, approved applicants get same-day access to pay over time.
More approvals.
More approval opportunities to help more customers say yes to care.
what they can expect
A clear path forward.
Predictable monthly payments help people understand their options—and help your team explain them.
Your step-by-step guide
- See if they prequalify with one simple application and no impact to their credit score.
- Discuss payment options with clarity and ease.
- Instant decisions let people move forward with treatment the same day if approved.
Helping your practice or business thrive.
Enrolled with CareCredit
Ask our team how Pay Later can help expand financing to even more patients or clients.
Contact usI’m new to CareCredit
Explore how the CareCredit platform can help you offer more patients or clients a way to pay for care.
Contact usFrequently Asked Questions
Pay Later is an installment loan with fixed monthly payments, designed for larger or more defined care costs—when a clear, predictable payment plan helps patients or clients move forward with confidence. Loan amounts start at $500 (minimums may vary by industry).4
Patients or clients can see if they prequalify with one simple application—no hard credit check, no impact to their credit score. With a decision in under six seconds, they'll know if they're approved for the CareCredit credit card, a Pay Later loan, or a choice between the two. Approved applicants get same-day access to move forward with care, and 30-day holds lock in their approval while they weigh their options.
Providers are funded within two business days. We handle billing and collections, so you're protected against payment delays and defaults.
1 Subject to credit approval.
2 CareCredit Cardholder Panel Survey (2026; n = 1,300 cardholders).
3 Synchrony: POS Installment Lenders Research, October 2022
4 Dental starts at $9,500.