Patients can finance nearly any elective medical procedure through participating doctor’s offices and practices. Check with individual lending providers for specific eligibility requirements. Examples of the various healthcare procedures that can be covered range from dentistry, and vision procedures to fertility treatments, medical spa procedures and even cosmetic surgery. Speak with specific loan providers for additional details and a full list of procedures eligible for financing. A partial list of the most popular healthcare procedures you can borrow money for using a patient healthcare loan is below:

Dentistry:  Clear Aligners, Cosmetics & Orthodontia, General Dentistry, Gingival Contouring, Implants, Orthodontics, TMJ, Veneers,

Vision:  Cataract Surgery, Conductive Keratoplasty, LASIK, Lens replacement

Fertility:  Donor Eggs and Embryos, Gamete Intrafallopian Transfer (GIFT), In Vitro Fertilization (IVF), Intracytoplasmic Sperm Injection (ICSI), ​Intrauterine Insemination (IUI), Zygote Intrafallopian Transfer (ZIFT)

Cosmetic Surgery:  Abdominoplasty, Body Contouring – Cool Sculpting, Breast augmentation, Eyelid surgery, Facelift, Liposuction, Mini facelift, Mommy makeover, Nose job/rhinoplasty, Plastic surgery, Reconstructive surgery, Skin Tightening, Tummy tuck

MedSpa Treatments:  Acne treatments, Age spots, Body sculpting, Chemical peels, Coolsculpting, Hair replacement, Hair Restoration, Injectables and Fillers (Botox® Cosmetic, Dysport™, Xeomin®, Juvederm®), IPL/ Laser treatments, Laser hair removal, Laser resurfacing and light therapy, Microdermabrasion and Micro-Needling (PRP), Spider and varicose vein treatments, Tattoo Removal

Our healthcare financing program provides instant approvals for most elective medical procedures.  Some of the highlights of our medical healthcare loans include:

• No Dealer Fee Options
• 9.99% rates
• 6 month to 6-year terms (and everything in between)
• Maximum loan of $60,000
• No prepayment penalties
• Unsecured loan
• No high-interest credit cards

When an elective medical procedure is too expensive for a patient to pay out of pocket, lending platforms like PowerPay can cut down those large payments into smaller, more manageable monthly payments through an unsecured loan. As an example a $10,000 medical procedure can be broken down into a monthly payment of $185 which you can pay over time.  Since there are no prepayment penalties you can pay off the loan whenever you want.  For elective procedures, there is no better choice than PowerPay for you and your patient

Healthcare financing is the process of using a loan to pay for healthcare costs that insurance doesn’t cover. If you don’t have the funds, using a loan to finance that cost over time can help make this expensive procedure more affordable.

There are many different options available to help pay for healthcare costs – some people have a medical savings account, a flexible spending account, or insurance provided by an employer or paid for individually. For procedures not covered by insurance, which can cost thousands of dollars, healthcare is more likely to be paid in cash, or financed. There are many finance options but the fastest and easiest and least painful are unsecured loans which generally offer lower interest rates than credit cards.  Choose an unsecured loan which allows for free prepayments so you can pay off the loan without any fees whenever you have the money to pay it off.

Your first payment is due approximately 30 days after you have signed your loan documents. Our concierge team will reach out after you have applied and been approved to help guide you through the process.  Our team can answer any questions and help you set up automated payments or visit our payment center here 

We accept Debit Card, ACH (checking account) and checks.

Mobile Payments:  To make payments or set up automated payments download the app for the iPhone or Android device using the following links: Google /  Apple

Automated Payments:  You can call us at (800) 397-4485 if you need help setting up your account watch the video or use the pdf step by step guide on the tabs.

Online:  Click here to set up your online account

Phone: You can call (800) 397-4485 until Midnight EST.

It’s easy to apply.  Ask your medical provider – they will share a link with you.  You can apply online or in the office. No.  PowerPay uses what’s called a soft pull when checking your credit score.  A soft pull does not notify any credit agency and will not affect your credit score.