1. Care Credit
1.1. Credit Card
1.2. Apply at time of service from healthcare providers office. Or Online in advance
1.3. No fees
1.4. Shorter term financing options of 6, 12, 18 or 24 months. Longer term healthcare financing for 24, 36, 48 or 60-month periods with Reduced APR and Fixed Monthly Payments Required Until Paid in Full.
1.4.1. no interest is charged on purchases of $200 or more when you make the minimum monthly payments and pay the full amount
1.5. Rates on purchases of $2,500 or more qualify for the 60-months with a 16.9% APR
1.6. 24, 36 and 48 financing terms are for purchases of $1,000 or more with a 14.9% APR
1.6.1. All rates are subject to credit rating.
1.7. Borrow between $200 - $25,0000
1.8. Make payments by phone or online
1.8.1. Discount for auto pay.
1.9. Can use the credit card anywhere that accepts care credit, currently more than 200,000 merchants.
2. Prosper Healthcare Financing
2.1. Installment loan
2.2. Apply online in advance
2.3. No upfront fees such as: transaction fees, set up fees, subscription fees, or o her hidden fees. A one-time “Origination fee” when the loan is funded.
2.4. A one-time “Origination fee” when the loan is funded.
2.4.1. This fee is a percentage of the amount borrowed 2.4%-5%, depending on Prosper Rating. It is taken from the loan immediately before loan proceeds are transferred to your account.
2.5. Terms 36- 60 months
2.5.1. simple interest loans with no prepayment penalties, no retroactive interest, longer terms for lower monthly payments
2.6. Annual percentage rates through Prosper range from 5.99% to 36.00% for first-time borrowers. All rates are subject to credit rating.
2.7. Individuals can finance up to $35,000
2.8. Repayment by phone, mail or online.
2.8.1. Payment by check, will incur a payment processing charge which is added to the payment amount. This fee is the lesser of 5% of the payment or $5 (if the payment is greater than $100 always add $5)
2.9. Can only be used for healthcare expenses
3. LightStream Financing
3.1. Installment loan
3.2. Apply online in advance
3.3. No down payment, no fees, no home equity requirements
3.4. Flexible terms: 24 – 36, 37 – 48, 49 – 60, 61 – 72, 73 – 84 month duration.
3.5. 3.34% – 14.49% All rates are subject to credit rating.
3.5.1. • Rates quoted with AutoPay option. Invoicing option is 0.50 points higher. Invoices are delivered by email. • Fixed rate, simple interest fully amortizing installment loans, no fees or prepayment penalties. • Loan proceeds may not be used to refinance any existing loan with LightStream • Florida loans subject to Documentary Stamp Tax. The tax amount is not included in the quoted APR