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* and no down payment, unless you require it.
How CareCredit works in four simple steps
Enroll to accept CareCredit
Fill out a quick form and talk to our team to find the right financing options.
Spread the word to your patients or clients
Use our marketing materials and digital tools to let patients know about CareCredit.
Your patients or clients can apply and pay
They can see if they prequalify, then apply. If approved, they can pay for care right away.
You get paid in two business days
With CareCredit, you’re paid directly with no risk if patients or clients delay or default.**
A range of friendly, flexible financing options
Your patients or clients will have a way to help fit care into their budget, and they can see if they prequalify with no impact to their credit bureau score
CareCredit Credit Card
Special financing that cardholders can use again and again to pay over time for many types of care.
For purchases starting at $200- Short and long-term special financing
- Use card again and again
Pay Monthly Loan
A one-time use loan that closes when paid in full with predictable, fixed monthly payments.
For purchases starting at $9,500- Pay over time with equal payments
- One-time use loan
Promotional Financing Options
Let’s get down to the details.
No Interest if Paid in Full
On qualifying purchases of
$200 or more
within 6 months
within 12 months
within 18 months
within 24 months
No interest is charged if the promo balance is paid in full within the promo period. Minimum monthly payments required.
Reduced APR with Fixed Monthly Payments
On qualifying purchases of
$1000 or more
17.90% APR for 24 months
18.90% APR for 36 months
19.90% APR for 48 months
On qualifying purchases of
$2500 or more
20.90% APR for 60 months
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.
View all testimonials
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.
Insights for your practice or business
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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.