PatientFi’s Lending Partners

PatientFi is not a bank. PatientFi works with several partners to help connect qualified borrowers to financing. Our current list is below

Connexus Credit Union

Optum Bank

Pathways Financial Credit Union

Suncoast Credit Union

Sample PatientFi Loan Repayments

PatientFi, Inc. (“PatientFi”) is the Program administrator and provides servicing for the PatientFi Program (the “Program”) loans on behalf of participating financial institutions, listed above. Here are some examples of what repayment might look like on a Program loan.

Fixed Rate Plans

Example: A 12-month loan for $1,000 would have an APR range of 6.99% to 29.99%, and monthly payments ranging from $86.52 – $96.99, with an estimated total cost of $1,038.24 – $1,163.88.

Example: An 84-month loan for $10,000 would have an APR range of 6.99% to 28.99%, and monthly payments ranging from $150.88 – $279.17, with an estimated total cost of $12,673.92 – $23,450.28.

Note: the 6.99% APR assumes excellent credit and enrollment in monthly autopay. Actual APR may be higher for approved applicants. Subject to credit approval.

Promotional Offer

With Promo Plan loans, you pay no interest if the loan is paid off in full during the Promotional Period. The Promotional Period begins when your Provider is funded. Interest is charged during the Promotional Period, but will be waived if the purchase balance is paid in full before the end of the Promotional Period. Making minimum monthly payments will not pay off the entire purchase balance before the end of the Promotional Period. Minimum monthly payments are required. Not all Promotional Plans may be offered by your Provider and are subject to approval. Please check with your Provider to determine what promotional offers may be available to you.

Example: A 6 – Month Promotional loan for $1,000 would have an APR of 32.99%. The Suggested Payment is $166.67 a month for 6 months, which would have a total loan cost of $1,000.00. If the Promotional Terms are not met, the minimum monthly payments would be $29.00 per month for 60 months, with an estimated total cost of $1,740.00.

Example: A 24 – Month Promotional loan for $10,000 would have an APR of 32.99%. The Suggested Payment is $416.67 a month for 24 months, which would have a total loan cost of $10,000.00. If the Promotional Terms are not met, the minimum monthly payments would be $275.00 per month for 60 months, with an estimated total cost of $16,500.00.

Note: The Suggested Payment amount estimates the equal payments you will need to make (which are above the minimum required payment) to pay the total purchase balance in full before the end of the Promotional Period. If you do not pay off the balance of your loan within the promotional period, your loan will be amortized based on your remaining loan balance with the fixed APR disclosed in your loan agreement. Interest charges accrued during the Promotional Period will not be waived if the total purchase balance is not paid in full within the Promotional Period. The example estimated total amount for repayments not meeting the Promotional Terms assumes only minimum payments are made.