Plastic Surgery Patient Financing for Practices

We charge zero setup fees, zero monthly subscription fees, and zero platform fees. This means you can offer patient financing without any recurring costs or hidden charges impacting your practice’s bottom line. Our goal is to help you increase booked cases and revenue without adding overhead, so you can feel confident rolling out financing across providers and locations without worrying about extra expenses.

We partner with multiple leading medical lenders to maximize your patients’ approval chances. By routing a single patient application to 10 or more lenders, we increase the likelihood that your patients will find an option tailored to their credit profile and financing needs. This multi-lender approach helps you serve a broader range of patients without needing to manage multiple applications or confusing options.

Our financing platform primarily uses a soft credit pull during the application process where available, which means that the patient’s credit score is not impacted by checking eligibility. This allows patients to explore financing options confidently without fear of lowering their credit score. Depending on the lender and the loan product, a hard credit inquiry may be performed later in the approval process, but patients are clearly informed when and why this occurs.

Approval times vary by lender but most patients receive a decision within seconds to a few minutes after submitting the application. Once approved, funds are typically disbursed to your practice within 1 to 3 business days, depending on the lender’s funding timeline and your practice’s banking arrangements. We strive to make the process as quick and seamless as possible to ensure patients can move forward without unnecessary delays.

Interest rates and terms vary significantly depending on the lender and the patient’s creditworthiness. Some lenders offer promotional financing with 0% APR for an introductory period, while others have rates up to approximately 24.99% APR. Patients are presented with clear, transparent payment terms before committing, so they can choose a plan that fits their budget and preferences. All financing offers comply with applicable regulations and require full disclosure of terms.

Loan term options typically range from 6 months up to 60 months, giving patients flexibility to select payment plans that align with their financial situation. Shorter terms usually mean higher monthly payments but less total interest paid, while longer terms reduce monthly costs but may increase total interest. Our platform presents these options clearly to help patients make informed decisions with full visibility into monthly payment amounts and total cost.

Once a patient accepts a financing offer, the approved loan amount is deposited directly into your practice’s bank account via Automated Clearing House (ACH) transfer. This direct-to-practice funding eliminates the need for you to manage payments from patients or worry about collecting installments. The timing of funds depends on the lender’s processing schedule but is generally within 1 to 3 business days after loan approval.

No, our financing solutions are installment loans rather than credit cards. This means patients receive a fixed loan amount with set monthly payments over an agreed term. This structure helps patients avoid revolving credit card debt, which often comes with higher interest rates and variable payments. Installment loans provide transparency and predictability for both patients and your practice.

Yes, patients can securely complete the financing application from any device—whether mobile phone, tablet, or desktop—at a time and place convenient to them. This flexibility helps increase application completion rates and reduces pressure during consultations. You can also provide a secure application link or embed a payment calculator widget on your website to encourage patients to explore financing options before or after their visit.

Protecting patient data is our top priority. We adhere to industry-leading security standards, including PCI-DSS Level 1 certification for payment processing and compliance with healthcare privacy regulations such as HIPAA where applicable. All data transmissions are encrypted using SSL/TLS protocols, and we maintain strict access controls and regular security audits to safeguard sensitive information throughout the financing process.

Getting started is simple and fast. Just complete our streamlined online practice signup form with basic business and contact information. Once verified, your practice will receive access to our portal and marketing materials to begin offering financing immediately. Many practices are live and accepting applications within 24 hours. Our dedicated onboarding team will guide you every step of the way to ensure a smooth implementation and training for your staff.