Access Treatment Today!
A Simple, Fast Experience!
Budget-Friendly, Affordable!
Find The New You!
Patient Financing, Redefined!
Better, Trusted Solution For Everybody
We started PatientFi to help more patients access the latest health, beauty and wellness treatments today. We removed the stress of affordability. With too many applicants being declined by traditional banks, patients and practices desired a better, trusted solution. In partnership with the nation’s leading doctors, we redefined the patient financing experience by looking beyond credit scores and placing patients at the center of everything.
Fast, Simple Process
Life is busy and time is short. We have streamlined the application process to be quick and easy. Go online and in minutes your offer is waiting.
Expert Credit Decisioning
Press Submit. Now sit back and relax. Within seconds, we analyze hundreds of financial variables beyond your FICO score to gather a fair and transparent profile.
Best-In-Class Service
Approved! Patients receive personalized offers catered to each budget. Press Accept. And let us take care of the rest. Our service team is your VIP concierge.
Higher Approval Rates!
Deliver What Patients Value Most
The secret to our high approval rates - we deliver what patients value most. We take a new approach to patient financing by personalizing each offer to fit within the patient’s budget while keeping our expenses low. By leveraging our proprietary loan automation technology, we can pass on greater savings to patients.
Here's how it works:
Web-Based
Platform
Go digital. Watch the pennies. No need for flashy bank locations. Online platform keeps our costs low. Makes us faster.
Beyond FICO Based Scoring
Find quality borrowers “Big Banks” miss. Leverage proprietary scoring model. Analyze hundreds of data points. More complete profile of credit worthiness.
Aligned
Interests
Designed by doctors for their patients. We avoid the classic mistakes of “Big Banks” by aligning our interests – Happy Patients. Happy Practice!
Medical Specialties Served
We partner with doctors in the elective healthcare segments where practices deliver cash-pay procedures and related health services.
PLASTIC SURGERY
Breast Augmentation, Liposuction, Abdominalplasty, Rhinoplasty, Facelift, Skin Tightening, Body Contouring, Hair Restoration, Facial Injectables, Laser Resurfacing
DENTISTRY
Implants, TMJ, Orthodontics, Dentures, Teeth Whitening, Veneers, Gingival Contouring
VISION
LASIK, Conductive Keratoplasty, Cataract Surgery, Premium Lens Replacement
FERTILITY
Intrauterine Insemination (IUI), In Vitro Fertilization (IVF), Intracytoplasmic Sperm Injection (ICSI), Gamete Intrafallopian Transfer (GIFT), Zygote Intrafallopian Transfer (ZIFT), Donor Eggs and Embryos
MEDICAL SPAS
Facial Injectables, Body Contouring, Skin Tightening, Laser Resurfacing, Chemical Peels, Microdermabrasion, Laser Hair Removal, Micro-needling (PRP)
Frequently Asked Questions
HAVE QUESTIONS? WE HAVE ANSWERS
Who Is PatientFi?
PatientFi is a leading financial technology company that offers a next-generation point-of-care financing platform that helps make procedures more affordable for patients.
Does applying for a loan with PatientFi impact my credit?
PatientFi first prequalifies you with a “soft credit check.” Before accepting an offer, you can see what you qualify for without impacting your credit score.
Do you accept co-signers when applying?
No. We currently do not support co-signers. Only the person having the procedure can apply.
The only exception is for legally married spouses.
How long is the PatientFi application?
The PatientFi application asks for a few key pieces of information and can be completed in about 2 minutes.
Are there any fees when applying for or accepting a loan with PatientFi?
There are no application, documentation, and/or origination fees of any kind with PatientFi.
What if my doctor does not offer PatientFi?
If your doctor does not offer PatientFi, and you are interested in applying for a PatientFi loan, complete the “Refer A Doctor” form. We will contact the practice and let them know a patient is interested in a PatientFi loan. We will provide the practice a detailed overview of PatientFi and help get their account setup.
What are retroactive interest penalties?
When you obtain a medical credit card, they often offer a period of time where if you pay the balance off, you will not be charged any interest. Unlike the PatientFi loan, if you do not pay off the credit card balance by the time the promotional period ends, the company will charge you retroactive interest from the beginning of swiping the card. This causes the price of the procedure to skyrocket and makes it much more difficult to understand your monthly payment and calculate the cost of financing.
How do I make a payment?
Your monthly payment will be processed automatically on your payment date each month. We hope to empower our members to make payments within their member account in the near future. For right now, please give us a call if you want to make a payment above your monthly amount.
How long is my approval valid?
Your approved application is valid for 30 days.
What’s the difference between a secured and unsecured loan?
A secured loan is a loan that has collateral attached to it, such as a mortgage loan (a house) or an auto loan (a vehicle). An unsecured loan is a loan that does not have collateral attached to it (personal loan).
What is the difference between a soft inquiry and a hard inquiry?
A soft inquiry is when someone checks your credit report for any number of reasons (renting an apartment, obtaining a job, etc.) and does not affect your credit score. When you apply for a PatientFi loan, we perform a soft inquiry.
A hard inquiry is when a financial institution (a bank, credit card company, mortgage company, etc.) checks your credit report before giving you a financial tool such as a credit card. Unlike soft inquiries, hard inquiries negatively affect your credit score and remain on your credit report for 2 years. This is what most other companies in the patient financing industry perform.
How do I qualify for a loan with PatientFi?
PatientFi relies on a loan application process that includes: credit reporting, employment verification, banking history and other relevant information.
How do I apply for a PatientFi loan?
Please visit https://app.patientfi.com/ and search for your healthcare provider to start an application. If you have already started a pre-approval with your practice, you can also enter your Invitation Code provided in your pre-approval letter. The application takes just a few short minutes to complete!
Can a family member, such as a parent, apply on my behalf?
No. We currently do not support co-signers or family applying on behalf of the person actually having the procedure.
The only exception is for legally married spouses.
How do I manage my loan with PatientFi?
You can log into your borrower portal through www.patientfi.com to access your account. Once logged in, you can manage your loan including: make payments (coming soon!), view account history, finish or create a new application, update account information, access support tools and contact customer support.
Can I payoff my loan early with PatientFi?
You can always pay off your loan early with no penalty.
How do I contact PatientFi?
For any questions or concerns regarding a your account, please contact PatientFi directly. You can call us at (866) 734-5979 or email us at hello@patientfi.com. Additionally, you can chat with us live on this site and during the application process when using our “Live Chat” feature. Our support hours are 6am – 5pm PST, Monday-Friday.
What does 0% financing mean?
Many other lenders will offer enticing 0% APR introductory offers, but be careful! If you do not pay off your balance by the time the promotional period ends, or if you miss a single payment, they will charge you retroactive interest (at rates as high as 28% APR!) from the day your account was charged. This causes the price of the procedure to skyrocket and makes it much more difficult to understand your monthly payment and calculate the cost of financing. This is why PatientFi has chosen not to structure our 0% APR promotion in this way. Call or chat with a live agent to learn more.
When is my first payment due?
Your first payment will be due 30 days from the date of your procedure. You can always review your payment dates within your member account online.
How much can I borrow?
You can apply to finance procedures costing between $1,000 and $40,000.
What’s the difference between a credit card and an installment loan?
A credit card is a revolving line of credit that is borrowed against, while an installment loan is a predetermined lump sum that is borrowed and paid back in a structured manner. Although both are reflected on your credit and involve interest rates, credit cards generally impact your credit greater while having more variability in monthly payments, balance reduction, etc., making them harder to manage.
Will I receive monthly statements in the mail?
We are a paperless company that does not mail monthly statements. Your balance can be checked at any time through the borrower portal at: https://app.patientfi.com/borrowerlogin.
Contact Us
If you have a question or would like to learn more information, please click the “contact us” envelope to the left.
CALL US
(866) 734-5979
MAIL US
info@patientfi.com
VISIT US
Irvine, CA 92618
