How Patient Financing Works
Getting started is simple. Offer flexible financing options that give patients another way to manage the cost of eligible medical and dental treatments—and help your practice improve treatment acceptance and grow.
Instead of asking patients to pay the entire treatment cost upfront, your practice can introduce financing during the treatment consultation. Interested patients can then complete an application, review available options, and decide whether financing fits their needs.
Simple application
Multiple financing options
Fast decisions
When patients can afford care, everyone wins.
Start Offering Patient Financing in 3 Simple Steps
Enroll Your Practice
Share a few details about your business and goals.
Let Patients Apply
Patients complete a simple application to explore available financing options.
Help More Patients Move Forward
Approved patients can select an available financing option and proceed with treatment.
Move Forward with Treatment
Once approved, patients can proceed with treatment right away, giving them the care they need and your practice the opportunity to grow.
A Simple Process That Works for Everyone
Patient financing creates a straightforward path from treatment recommendation to payment.
Your Practice Enrolls
Your practice completes enrollment and receives information on how to offer financing.
You Introduce Financing
Your team lets patients know that flexible payment options may be available for eligible treatments.
The Patient Applies
The patient submits an application directly through the applicable financing provider.
Treatment Becomes More Affordable
Approved applicants may be able to divide the cost of treatment into manageable payments instead of paying the entire amount upfront.
Benefits for Your Practice
Offering financing can help your practice address one of the most common barriers to treatment: affordability.
Potential benefits include:
- Increase treatment acceptance
- Fewer financial objections
- More completed procedures
- A better patient payment experience
- Additional revenue opportunities
- Less need to discount your services
- The ability to serve patients with different financial needs
- A more structured treatment-presentation process
Financing does not guarantee that every patient will move forward, but it provides another option when upfront cost is preventing a decision.
Grow Your Practice with Greater Financial Flexibility
Benefits for Your Patients
Patients may understand the value of a recommended treatment but still be unable to pay the entire cost at once.
Patient financing may provide:
- Access to treatment sooner
- Convenient monthly payment options
- Greater flexibility when planning treatment
- A simple application process
- The opportunity to review available terms before deciding
- Less pressure to pay the full cost immediately
- A more comfortable conversation about treatment expenses
All financing is subject to lender approval, eligibility requirements, terms and conditions.
More Options. A Healthier You
Get Your Practice Ready
A few simple steps can help you launch successfully.
- Complete the practice enrollment
- Identify a point person on your team
- Review and customize patient-facing materials
- Train your staff on how to introduce financing
- Start offering financing to your patients
How to Introduce Financing to a Patient
Your team does not need to make a complicated sales presentation. A simple statement can begin the conversation:
“If paying the full treatment cost today is a concern, financing options may be available. You can complete an application and review any offers for which you qualify before deciding whether to proceed.”
Staff members should never promise approval, quote unverified terms or pressure a patient to finance treatment.
Frequently Asked Questions
The timeline depends on the financing program, your practice and whether all required information has been submitted. We will explain the setup requirements and help you understand the next steps.
Costs and fees vary by financing provider and program. Your practice should review all applicable fees and requirements before enrolling.
Available products, financing amounts, rates and repayment terms depend on the participating provider and the applicant’s qualifications.
Patients complete an application through the applicable financing provider and provide the requested personal and financial information.
No. Financing is subject to lender approval, credit criteria, verification requirements, terms and conditions.
Decision times vary by financing provider and application. Some applicants may receive a prompt response, while others may need to submit additional information.
Eligible treatments and expenses vary by provider and program. Confirm eligibility before representing that financing is available for a specific service.
Your practice can receive guidance on setup, application procedures and how to introduce financing appropriately during treatment-cost discussions.
Ready to Offer Financing to Your Patients
Give your patients more ways to pay for treatment while creating more opportunities for your practice to grow.
No obligation to learn more.