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Medical Financing & Loans


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the CareCredit application,
but you may apply for this credit card.
0% intro APR on Purchases and Balance Transfers for 12 months
Need a medical financing?
Get a great alternative to Care Credit from popular banks!
  • 0% APR for up to 21 months
  • No annual fee
  • Use anywhere
Compare credit
offers from popular
banks with
CareCredit terms:
0% Intro APR
This is a period during which you will not be paying any interest on purchases you charge on the card. After the 0% interest introductory period ends an ongoing APR will apply.
Use at
any Doctor
You can pay with the card at any hospital and doctor, and for any procedure.
The card can be used for everyday purchases.
The card has a rewards program.
The interest you pay after the introductory period (if any) ends and if the credit card balance is not paid by the due date. It is calculated on yearly basis.
12 months
10.99% - 22.99%
21 months26
11.99% - 21.99%26
Depends on provider

CareCredit cards are accepted
only at enrolled providers.

CareCredit cards are accepted
only at enrolled providers.


One more option: Cash Loan for Medical Needs

Health issues disturb our minds more often these days because the medical treatment is not cheap and often requires an additional financial assistance. For such medical purposes there are cash loans or personal loans. They are available even to those who have bad credit history. People with poor credit history can be approved for loans at best possible rates. There is less paperwork: simply fill out the online application to get the money.

Get Loan

FAQs about Credit Cards & Healthcare Financing:

Do I have to use credit cards at a specific doctor? General credit cards can be used everywhere they are accepted. Another situation with the medical credit cards, like Care Credit - these cards can be used for medical procedures and for doctor visits at particular medical institutions.
Can I pay for any medical procedure with a credit card? You can pay for anything with your credit card if it is a general credit card and is accepted by the merchant. A medical credit card can be used for different medical procedures, like surgeries or dental procedures, and at particular doctors and hospitals.
Do I get rewards? Medical credit cards do not offer rewards programs. They are created to help you to finance your medical procedures. If you want a credit card with a reward program, consider a general credit card.
What will happen after the 0% introductory period of a credit card ends? Once the zero percent financing period is over, the actual APR for the card will start. Your goal could be to pay off the procedure before the introductory period ends. If that’s not within your budget, the interest rates are usually half of what doctor-office financing costs.
What are my options if I am unable to pay off the balance during introductory period? If you unable to pay off the balance in full and still want to receive 0% APR for another 12-18 months we suggest you can do a simple balance transfer by applying for another credit card offer.
Do these cards have an annual fee? Most of these 0% APR offers are on cards that do not have an annual fee. You should check the terms and conditions of the card you apply for.
Leo Zhu, CreditLand Consultant
                on Credit Card Questions
Free Advice to your Email

Medical Procedure Financing

Medical procedures are not cheap nowadays and a good medical financing program is like a light at the end of the tunnel. Personal loans, surgery loans, dental financing and many other financing programs may help you pay for medical expenses with ease and convenience. Choose a financing program that answers your needs desires and ability to pay. People with bad credit may also find a suitable financing plan to pay for the medical treatment.
Dental financing is always to the point as dental services are not cheap nowadays. And to find an affordable dental financing may become a real challenge. Personal loan or a credit card may become one of the ways out.
Vision correction
Now you can freely say: "I can see everything!" Medical financing makes everything real. If you’ve always dreamt about perfect vision but haven’t had funds to correct it, a personal loan may help your dream come true.
Plastic surgery
Plastic surgery can totally change your life, but it requires big money. Not everyone has enough available funds for the treatment they want. And here we offer financial options which can help you.
Other medical procedures
Medical treatment may cost you money and it can eat your budget completely throwing you into the depth of the debt. But today you can find a financing plan that will help you stay aloft. Various medical loans are available for most people. 
See more credit cards for any needs

26 See the Citi card terms and conditions online.