FINANCE YOUR CARE - PATIENT LENDING PROGRAMS FOR MEDICAL OFFICES
Empower your practice with a seamless financing solution that helps more patients say “yes” to treatment. At Finance Your Care, we partner with medical providers to offer flexible, affordable patient loan programs designed to remove the financial barriers to care. Our turnkey financing platform allows your office to offer no-interest and low-interest payment plans with instant approvals and zero risk to your practice. You get paid upfront, while your patients gain access to the care they need—on terms they can manage.
Increase case acceptance, improve patient satisfaction, and boost your bottom line—all with Finance Your Care.
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Set up a no-obligation, demo and see how easy patient lending can be. Unlike Care Credit, which has strict lending guidelines, we have a program for everyone. You choose what you want for your practice.
Why Partner with Finance Your Care?
- ✅ Instant Approvals – Patients apply in seconds, no lengthy paperwork
- ✅ Upfront Payment to You – We fund your office directly, no waiting
- ✅ No Recourse, No Risk – You’re not on the hook for missed payments
- ✅ Flexible Plans for Patients – No-interest and low-interest options
- ✅ No Setup Fees – Our program is easy to launch and comes with full support
Rates and Fees
Wholesale Pricing from Multiple Lenders
Wholesale Pricing from Multiple Lenders
Wholesale Pricing from Multiple Lenders
Finance Your Care is a subsidiary of Credit Technologies. We are not the lender, nor are we a broker. As such, there is no markup added to the lender's fees. Here are some examples of our current rates and fees.
Prime Credit / Scores down to 620
Wholesale Pricing from Multiple Lenders
Wholesale Pricing from Multiple Lenders
This would start with the same people that most of the patient financing companies would approve (i.e.,, Care Credit), but then goes much deeper in acceptable credit scores (I.e. 620 instead of 685). At this level, the fee to your practice is 7%, and your Patient will get "12 months Same as Cash" on extended loan terms.
Sub-Prime Credit / down to 600
Wholesale Pricing from Multiple Lenders
Poor Credit / Scores down to 550
While most of the other patient financing companies will not approve people with credit scores this low... Our lenders will approve them for extended terms with affordable APR's that start at 14.9% and fees to your Practice that start at 12%
Poor Credit / Scores down to 550
Poor Credit / Scores down to 550
Poor Credit / Scores down to 550
This is the start of credit ranges that Finance Your Care stands alone in the market. Our lenders will offer fixed rate loans for credit scores down to 550. The APR's range from 16.99% to 35.99%. And the fee to your Practice starts at 19.9%
Ugly Credit / 500 and below
Poor Credit / Scores down to 550
Ugly Credit / 500 and below
This is where Finance Your Care stands alone in the market. Our lenders will fund deals upfront for people with credit scores as low as 500, with no recourse to your Practice. The APR can be up to 35.99% for loan amounts up to $5000 and terms of 60 months. The fee to your Practice is 21.9%. NOTE: If the Applicant cannot qualify with any of our lenders, we have a billing plan that only pays you as payments are collected and guarantees you a payout of no less than 80%
Fees for Loans
User Fee Charged to the Patient/Applicant
Credit Technologies / Finance Your Care offers you enrollment with no costs or obligations connected to it.
The reason we can make this offer while not getting paid back end fees from the lenders is as follows. We will charge each applicant a fee if approved and they accept a loan offer. That fee is your obligation to disclose and add to the amount that is being requested when an application is submitted. Furthermore, since the fee is added to the loan amount, it will be paid to your office when the lender sends you your payment. As such, after you are paid, we will invoice you for our fee.
- Loan amounts up to $2499.99: $175
- Loan amounts between $2500 and $9999.99: $375
- Loan amounts from $10,000 to $24,999.99: $575
- Loan amounts of $25,000 and up: $775