Patient Payment Guide Apply now
Fact-checked October 11, 2026

PatientFi payments, made simple and stress‑free

Your friendly guide to PatientFi monthly plans: how to pay on time, what each plan really costs, and how to keep a 0% promo truly at 0%.

How to make a payment Try the promo checker
Built from official disclosures 10 linked sources No logins, no payments
Illustration of a monthly treatment payment plan on a phone, with a due-date calendar, a debit card, a security shield and savings coins My treatment plan Balance $4,500 25% paid Next payment Nov 12 $500 Autopay Debit card Make a payment Due date 12 Nov Debit •••• 4021 $ Payment received $500.00 · on time
Soft checkSee your offer with no credit score impact
$0 to applyNo application fee, and no prepayment penalty
From 6.99%Fixed APR with autopay (3.99% fertility)
3–24 monthsPromo periods, 0% only if paid in full
Debit or ACHNo credit or prepaid cards for payments
Not a bankLoans come from partner banks and credit unions
The basics

What is PatientFi?

PatientFi is a patient-financing platform based in Irvine, California. It works only through participating practices: your provider offers it at checkout, you apply on your phone, and if approved you pay for treatment in monthly installments.

PatientFi itself is not a bank or lender. It provides the technology, while partner banks and credit unions issue the loans. If needed, the application helps you open a credit-union account, so you don’t need to be an existing member.

Each plan usually funds one procedure at one provider. The patient, their legally married spouse, or a parent of the patient can apply.

  • Plans for procedure amounts from about $200 to $50,000
  • Zero-interest promo plans offered to everyone approved
  • Long-term fixed-rate plans for larger treatments
  • Member support Monday to Friday, 6:00 AM to 7:00 PM Pacific, plus weekend hours
How money moves in a PatientFi plan You apply and pick a plan through PatientFi. A partner bank or credit union approves the loan and pays your provider. You then repay PatientFi every month, never the provider. You Your provider PatientFi platform and servicing Bank or credit union 1 · Quote 2 · Apply, pick plan 5 · You repay monthly 3 · Approved 4 · Provider paid Repayments go through PatientFi, never to your provider
Simplified from PatientFi’s own description of how it connects patients, providers and partner lenders.
Step by step

From application to first payment

The whole process happens online and usually takes minutes. This is the order of events described in PatientFi’s help center.

  1. 1

    Find a provider

    Your practice must partner with PatientFi. Ask at checkout or use the official provider search.

  2. 2

    Apply with a soft check

    Apply on any device. A soft inquiry shows what you qualify for without touching your score.

  3. 3

    Provider sends a request

    The practice issues a transaction request to PatientFi for the treatment cost.

  4. 4

    Accept and choose a plan

    In your portal, check the amount, pick a plan, link a debit card or bank account, and accept.

  5. 5

    Pay monthly

    Your first payment is due 30 days after the practice charges your account.

Quick tip: before you accept, check that the loan amount matches your provider’s quote. If it doesn’t, PatientFi asks you to have the provider correct it first. Once you accept, funds go to the practice.

Free tools

Will you beat the promo deadline?

Slide your monthly payment and see instantly whether your balance will be paid off before the promo ends. Then estimate a fixed-rate plan next to it.

Promo checker

0% plans are interest-free only if the full balance is paid in time.

$135
LowSuggested $500
$4,380 still owed at the deadlineInterest that built up during the promo would not be waived, and the rest becomes a fixed-APR loan.
Estimate based on PatientFi’s published promo terms.

Fixed-rate calculator

Estimate a fixed-APR payment with a standard formula.

Estimated monthly payment
$0
Total repaid$0
Total interest$0

For education only. Your real APR and schedule are set in your loan agreement.

The rule that matters most

“0% interest” only if you pay it all off in time

PatientFi’s official disclosures say interest is charged quietly in the background during the promo, then waived if you clear the full balance before it ends. Miss the deadline and that interest stays, and the leftover balance becomes a fixed-rate loan.

  • Pay the suggested amount, not the minimum
  • Rule of thumb: balance ÷ promo months
  • Check your promo end date in the portal
Illustration of a 12-month promo calendar: nine months paid, the twelfth month flagged as the deadline, and a 0% badge that applies only if paid in full 12-month promo 1 2 3 4 5 6 7 8 9 10 11 12 0% if paid in full 9 of 12 paid On track to $0 interest
Timeline of a PatientFi promotional plan The promo starts when your provider is funded and interest builds up each month. If the balance is paid in full by the end, the interest is waived. If any balance is left, the accrued interest is kept and the rest is re-amortized at the fixed APR. Promo period, 3 to 24 months Interest builds up quietly each month Provider funded Promo ends Paid in full All promo interest is waived. You pay $0. Any balance left Accrued promo interest is not waived. The remaining balance is re-amortized at your fixed APR (PatientFi’s examples use 32.99%). Stay in the green Pay the suggested payment, not the minimum: balance ÷ promo months
Based on the “Promo Plan – No Interest (if paid in full)” terms on PatientFi’s Disclosures page, updated September 2026.
Total cost of a $6,000 treatment on a 12-month promo Paying $500 a month clears $6,000 in 12 months with no interest. Paying only the $135 minimum for 12 months and then 48 payments of $216.51 at 32.99% APR totals about $12,012. $6,000 treatment, 12-month promo Total paid, using PatientFi’s own disclosure example $0$6k$12k Pay $500 a month, done in 12 months $6,000 Pay only the $135 minimum, 60 months $6,000 treatment + $6,012 interest ≈ $12,012 Minimum path: 12 × $135 = $1,620, then 48 × $216.51 = $10,392.48 at 32.99% APR. Your rate and schedule may differ.
Figures from the $6,000 example on PatientFi’s Disclosures page; totals calculated by us.
Choosing a plan

Promo plan or fixed-rate plan?

When you accept a transaction, PatientFi shows the plans you qualify for. They fall into two families.

Promo plan

0% if paid in full
Best for
Amounts you can clear within the promo window
Length
3, 6, 9, 12, 18 or 24-month windows appear in the disclosures
Interest
Builds up in the background; waived only if paid in full by the deadline
Payments
Minimum, suggested or custom. Minimums will not clear the balance in time
Watch out
Missing the deadline by even a small balance
Due date
Can’t be changed on promotional terms

Fixed-rate plan

Installment loan
Best for
Larger treatments you need years to repay
Length
Multi-year terms; disclosures show schedules out to 60 months
Interest
Fixed APR from day one; advertised from 6.99% (3.99% fertility) with autopay and excellent credit
Payments
The same amount every month
Watch out
Higher total cost if your APR is high
Due date
Changing it may be possible

Sources: PatientFi Disclosures; help center articles “Accepting your PatientFi Transaction” and “Payment Assistance.”

Illustration of paying a monthly plan online: a laptop showing a payment form with debit card and bank options, a mailed check, and a phone with autopay turned on Make a payment Amount $500.00 Pay with Debit card Bank (ACH) Pay $500.00 $500 Autopay Every month 12th Next draft Nov 12 Payment applied Through the official portal
Making a payment

How to make a PatientFi payment

Monthly payments go to PatientFi, not your doctor. PatientFi’s help center says money paid directly to a provider can’t be used to reduce your loan balance.

Payment portalLog in at patientfi.youronlineaccount.com for one-time or extra payments.
AutopayAutomatic monthly debits. The lowest advertised APRs require it.
Check by mailPatientFi, PO Box 845073, Dallas, TX 75284-5073. Add your account number and loan ID in the memo.
Official help centerPhone and email support are listed on PatientFi’s own contact page.Open contact page
Not accepted:✕ Credit cards✕ Prepaid cards✕ HSA or FSA cards✕ Paying your provider

Pay safely. Type the address yourself or use the link on patientfi.com. Real loan payments happen inside the official portal, never through a text link, a third-party site, or gift cards. This site is an independent guide and can’t take payments.

From PatientFi’s “Accepted Payment Methods” and “How Do I Pay My Provider” articles. Mailed checks take 5–7 business days to process.

What you can finance

Treatments people pay for with PatientFi

PatientFi focuses on elective care, from smiles and skin to fertility and hearing. Whether a treatment qualifies depends on your provider being a PatientFi partner.

Bright, modern dental office with a treatment chair
Cosmetic dentalVeneers, whitening, aligners
Woman relaxing during a cream facial treatment
MedSpa and dermatologySkin and aesthetic treatments
Smiling doctor talking with a patient in a clinic
Plastic surgeryConsult first, then finance the plan
Happy couple showing their ultrasound pictures
FertilityFixed APRs advertised from 3.99%
Man running his hand through his hair
Hair restorationTransplants and therapies
Person wearing glasses and a behind-the-ear hearing aid
AudiologyHearing care and devices
Patient having a medical eye test
VisionEye procedures
Laser treatment on a client’s leg in an aesthetic clinic
Laser and body treatmentsLaser hair removal, body contouring
The bigger picture

What U.S. regulators found about medical financing

In May 2023 the Consumer Financial Protection Bureau (CFPB) reported on medical credit cards and installment loans. The findings cover the whole industry, not one company, and show why promo terms deserve a careful read.

$23B

of health care costs put on medical cards and loans across 17+ million purchases, 2018–2020

$1B

paid in deferred interest on health care purchases over the same period

20%

of deferred-interest health care purchases ended up being charged interest, 2015–2020

34%

for borrowers with credit scores below 619, about one in three purchases

+23%

average extra paid on the original purchase by borrowers who were charged interest

26.99%

typical medical credit card APR, versus about 16% for general-purpose cards at the time

Source: CFPB, “Medical Credit Cards and Financing Plans,” May 2023, as summarized by AARP, Goodwin Procter and RevCycleIntelligence.

Hardship

Can’t make a payment? Reach out before it’s late

PatientFi’s help center says missed or late payments may be reported to credit bureaus, and that contacting the billing team early leaves you the most options. Depending on your situation, these include:

  • Natural disaster payment deferral: temporarily postponing payments after events like hurricanes or floods. Eligibility varies and isn’t guaranteed.
  • Changing your due date to line up with payday, on fixed-rate terms only.
  • Extra or larger payments through the portal when you can, to shrink the balance faster.
Illustration of asking for help: a calendar with a due date moved later, a support chat bubble, and a heart shield Due date 12345 89101112 1516171819 9 18 Billing team Let’s find an option
FAQ

PatientFi payment questions

Short answers, each checked against PatientFi’s own pages.

See all 46 questions →
How do I make a PatientFi payment?

Log in to PatientFi’s official online payment portal at patientfi.youronlineaccount.com and pay by debit card or bank account (ACH), or set up autopay. You can also mail a check to PatientFi, PO Box 845073, Dallas, TX 75284-5073, with your billing account number and loan ID in the memo. This website is an independent guide and never takes payments.

Can I pay PatientFi with a credit card?

No. PatientFi’s help center says it accepts debit cards and ACH bank transfers, plus mailed checks, but not credit cards, prepaid cards, or HSA/FSA cards.

Is the 0% promo really interest-free?

Only if you pay the entire purchase balance before the promo ends. PatientFi’s disclosures state interest is charged during the promo and waived if paid in full; if not, the accrued interest is kept and the remaining balance is amortized at your loan’s fixed APR.

When is my first payment due?

30 days after the practice charges your PatientFi account, according to PatientFi’s FAQ.

Does applying hurt my credit score?

PatientFi says checking your offer uses a soft credit check that doesn’t affect your score. Once you have a loan, late or missed payments may be reported to credit bureaus.

Can I pay my provider instead?

No. After you accept the transaction, monthly payments must go through PatientFi. Money paid to the provider directly can’t be applied to your PatientFi loan.

Can I pay off my loan early?

PatientFi’s help center has a dedicated article on early payoff, and its promo terms are built around paying in full early. Check your loan agreement for the exact payoff process, then pay through the portal.

Who can apply for a plan?

The person having the procedure, their legally married spouse, or a parent of the patient. There’s no fee to apply.

Is PatientFi a bank?

No. PatientFi, Inc. states it is not a bank; loans are made by partner banks and credit unions. It lists NMLS ID #1719196 and is located in Irvine, California.

What if I can’t pay this month?

Contact PatientFi’s billing team before the due date, using the contact details in its official help center. Options listed there include natural-disaster deferral and changing the due date on fixed-rate terms, subject to eligibility.

Keep reading

In-depth PatientFi guides

How to make a PatientFi payment

Portal, autopay and mail, step by step.

Read the guide

0% promo plans explained

Minimum vs. suggested payments, deadlines and real examples.

Read the guide

Payment calculator

Estimate monthly payments for promo and fixed-rate plans.

Open the calculator

Login and account help

Registering, resetting passwords and finding statements safely.

Read the guide

PatientFi vs. CareCredit vs. Cherry

Installment loans and medical credit cards, side by side.

Compare options

Payment assistance options

What to do if you can’t pay, and how to protect your credit.

Read the guide
Transparency

Sources and editorial policy

Every fact on this page comes from a primary source you can check yourself.

  • IndependentNot affiliated with, endorsed by, or paid by PatientFi, its lenders, or any provider.
  • Primary sourcesFacts come from official PatientFi pages and published CFPB research.
  • No personal dataWe never ask for logins, account numbers, or payments.
  • Re-checked regularlyFigures are verified again at every update. Your loan agreement is always the final word.
Last fact-check: October 11, 2026

Nothing here is financial or legal advice. Spotted something out of date? Tell us and we’ll fix it.

Official PatientFi pages

7 sources · website and help center
  1. 1How It Workspatientfi.com/how-it-works
  2. 2Disclosures: promo terms and APR examplespatientfi.com/disclosures
  3. 3About and FAQpatientfi.com/about
  4. 4Accepted Payment Methodssupport.patientfi.com
  5. 5Accepting your PatientFi Transactionsupport.patientfi.com
  6. 6How Do I Pay My Provider with PatientFi?support.patientfi.com
  7. 7Payment Assistancesupport.patientfi.com

Consumer research

3 sources · CFPB report, May 2023
  1. 8Beware medical credit cards and loans (CFPB findings)aarp.org
  2. 9CFPB report highlighting risks of medical financinggoodwinlaw.com
  3. 10CFPB report identifies pitfalls of medical credit cards and loansrevcycleintelligence.com