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.

No. We currently do not support co-signers.  Only the person having the procedure can apply.

The only exception is for legally married spouses.

The PatientFi application asks for a few key pieces of information and can be completed in about 2 minutes. 

There are no application, documentation, and/or origination fees of any kind with 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.

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.

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. 

Your approved application is valid for 30 days.

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).

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. 

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! 

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.

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.

You can always pay off your loan early with no penalty.

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.

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.

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.

You can apply to finance procedures costing between $1,000 and $40,000. 

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.

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.