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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.

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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:



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.



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.


Breast Augmentation, Liposuction, Abdominalplasty, Rhinoplasty, Facelift, Skin Tightening, Body Contouring, Hair Restoration, Facial Injectables, Laser Resurfacing


Implants, TMJ, Orthodontics, Dentures, Teeth Whitening, Veneers, Gingival Contouring


LASIK, Conductive Keratoplasty, Cataract Surgery, Premium Lens Replacement


Intrauterine Insemination (IUI), In Vitro Fertilization (IVF), Intracytoplasmic Sperm Injection (ICSI), Gamete Intrafallopian Transfer (GIFT), Zygote Intrafallopian Transfer (ZIFT), Donor Eggs and Embryos


Facial Injectables, Body Contouring, Skin Tightening, Laser Resurfacing, Chemical Peels, Microdermabrasion, Laser Hair Removal, Micro-needling (PRP)

Frequently Asked Questions


PatientFi is a patient-friendly financing company that aims to help make procedures more affordable for patients.

With your authorization, PatientFi checks your credit report using a “soft credit check”. There is no impact to your credit score to check if you qualify for a PatientFi loan.

At the moment, we can only process applications electronically through our website. 

Please visit and search for your healthcare provider to start an application. The application takes just a few short minutes to complete and doesn’t hurt your credit!  

We do not currently support co-signers. Only the person having the procedure, their legally married spouse, or a parent of the patient can apply.

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

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

If your provider does not offer PatientFi, and you are interested in applying for a PatientFi loan, please have them complete our “Provider Sign-up” form at We will contact the provider and help get their account setup for you.

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. If you do not pay off the credit card balance by the time the promotional period ends, the medical credit card company will charge you retroactive daily compounding 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. 

For these reason, PatientFi’s loan do not have retroactive interest penalties.

Your monthly payment will be processed automatically on your payment date each month through electronic ACH from the banking information provided during the application process. Please contact us if you want to make a payment above your monthly amount, change the date of your payment, or change the account where payments are processed from.

Your approved application is valid for 60 days.

Once you accept your PatientFi loan and schedule a date for services with your provider, we will pay your provider directly.

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). The PatientFi loan is an unsecured loan because it does not have any collateral attached to it.

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 for you to check your rate. 

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. 

PatientFi analyzes a variety of factors that include: credit history, income, and other relevant information. Your application data is compared against several hundred scoring variables within PatientFi’s proprietary algorithm. The great news is, the application is very easy and checking your rate will not have any impact on your credit score.

Please visit and search for your healthcare provider to start an application. The application takes just a few short minutes to complete and it doesn’t hurt your credit to check your rate! 

Yes, we do allow parents to apply on behalf of their children.

PatientFi is thrilled to partner with Scratch to provide you with all the tools necessary to manage your monthly payments. Scratch is reimagining loan servicing to help borrowers understand, manage, and pay back their loans. With the Scratch platform, borrowers have visibility and control over their debt in just a few clicks. Borrowers turn to Scratch’s team of Loan Guides for empathetic problem solving and personalized guidance on how to fit their loans into their lives.

You can always pay off your loan early with no penalty. Additional payments can be made through your Scratch portal.

You can call us at (866) 734-5979 or email us at  Additionally, you can chat with us live on this site by using our “Live Chat” feature.  Our support hours are 6 am – 5 pm PST, Monday-Friday.

For qualified applicants that choose a 0% APR promotional loan offer, all interest paid will be waived if the amount financed is paid in full within the promotional period (e.g. 6 or 12 months, dependent on what terms your provider offers). 

Your first payment will be due 30 days after your services begin with your provider. Please note that this could be prior to your actual procedure date or treatment start date due to costs incurred by your provider to provide you with these services. Please check with your provider regarding when full payment is due as your first payment is made 30 days after this date.

FYI: After your first payment is complete, you can update your payment date through your Scratch portal.

The amount you can borrow varies by provider and type of procedure.

A credit card is a revolving line of credit that is borrowed against, while a loan is a predetermined lump sum that is borrowed and paid back in a structured manner. Although both are reflected on your credit report 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.

For your convenience and to save money we can pass on to our borrowers, we do everything we can to be a paperless company. Our payment processing partner Scratch, does send paperless statements.  However you can request a paper statement through your Scratch portal

Contact Us

If you have a question or would like to learn more information, please click the “contact us” envelope to the left.


(866) 734-5979‬



Irvine, CA 92618

Patient Financing, Redefined!
If you would like more information:

•Contact PatientFi
•Refer a Doctor
•Request Employment Info

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