A well versed knowledge of various financing groups can increase patient treatment plan acceptance rate in your office. Having only one option for patient financing can ultimately hinder or delay payment. When discussing financing options with patients, it is important to remember the more alternatives they are presented with, the more likely they are to start treatment sooner.

An increasing number of offices now offer a variety of lending options to present to patients. Many of these credit financing options essentially act as the middleman between banks and the borrowing customer. If your office has been considering partnering with a finance company, listed below are some of the top companies and the benefits of each for both the provider and the patient. 


CareCredit is a great option for patients as it makes paying for their healthcare needs more manageable. The card offers short-term financing that allows the patient to make payments over the course of anywhere from 6-24 months. Carecredit does not charge interest as long as the patient pays the total amount of the bill within or before their pre-determined time frame.

CareCredit’s APR is estimated to be 26.99% unless the patient is on a fixed plan, in which case can range from 14.9% – 19.9%.

The minimum loan amount offered starts at $500, with no maximum. There is no origination fee and if approved, finances are available to the patient immediately. Patients receive their first bill after 30 days, but the provider can expect to see payment within 48 hours.

Another benefit to choosing Carecredit is the actual application is simple and quick to fill out. They will provide you with an answer to whether your patient has been approved for a line of credit within seconds. CareCredit is accepted at over 210,000 healthcare locations and because of that number has become one of the top options for patient financing.

Contact Information: (800) 300-3046
Provider Sign up: More Info


Alphaeon Credit is offered by Comenity Capital Bank and is used to pay for procedures, treatment, services, and products offered by board certified physicians. It is similar to other lending companies as it offers no interest if paid in full by the end of the loan cycle.

Estimated APR starts at 28.99% with a minimum/maximum loan amount anywhere from $1,000 – $25,000. There is no waiting period for the patient once they have been approved for funds, and the practice can expect to see payment on their end in two business days.

There is a required minimum monthly payment based on the patient’s treatment plan value and credit. There is no application fee for the patient or provider.

Contact Information: (855) 497-8176
Provider Sign up: More Info


GreenSky is another financing option that acts as the middleman between the consumer and banks. They are a credit technology platform who support federally insured, federal and state chartered financial institutions. Estimated APR can range anywhere from 0%-29.99% depending on what plans are set up in the office. Greensky offers a number of different financing plans unique to the practice.

Lines of credit range from $1,000 up to $25,000. Similar to other lending companies, funds are available for the patient immediately and the practice can expect to see payment in one business day.

Greensky is unique as it prides itself on having excellent customer and provider support.

Contact Information: (844) 698-7986
Provider Sign up: More Info


Lending Club

Lending Club is an online based personal loan company that has been in business for over a decade. Estimated APR ranges are set from 6.95%-35.89% depending on the patient’s current credit profile.

Depending on the residing state, loan amounts are available from $1,000 – $40,000.

There is a one-time origination fee charged at the time the loan is recieved based on the loan amount that starts at 1% up to 6%. The patient can expect to see funds after seven business days. After the online forms are completed, patients will know if they’ve been approved within 24 hours.

A unique benefit to choosing Lending Club is the patient can use their loan anywhere and for anything, not restricted to just their healthcare needs.

There is no deferred interest plan, however there is no prepayment penalty fee should the patient wish to make higher monthly payments. The sooner the principal is paid off, the less interest they will be expected to pay.

Contact Information: (888) 596-3157
Provider Sign up: More Info

Wells Fargo Patient Financing 

Wells Fargo Health Advantage program offers the budget flexibility many patients are looking for. APR for deferred loans is 12.99%. Loan amounts are once again dependent on the patient’s credit profile, and credit lines can be approved up to $35,000. Wells Fargo offers prompt support for patient and provider inquiries. They offer on the spot credit approvals and competitive credit limits. A fast deposit of funds means the patient will have immediate access to their loan with an added benefit of no application fee.

Contact Information: (800) 577-5221
Provider Sign up: More Info

Credit Amount
Interest Rate
$500 – No max
$1,000 – $25,000
Starts at 28.99%
$1,000 – $25,000
0% – 29.99%
$1,000 – $40,000
6.95% – 35.89%
Up to $35,000
Interest Rate
14.9% – 26.99%
Starts at 26.99%
0% – 29.99%
6.95% – 35.89%
Tara Levy

Tara Levy is a California based treatment plan coordinator and licensed dental assistant. Her background in clinical, chair-side patient care combined with her knowledge of comprehensive treatment planning are the foundations of her expertise. She believes the hallmarks of successful practices are patient education and prevention.

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