Offer financing for
healthcare procedures

Enjoy $0 Merchant Fee Options!

Offer the lowest payments for large purchases, easy and simple!

  • 12 to 84 month terms
  • 6 to 24 month promo offers
  • 9.99% – 17.99% APR
  • Approvals up to $60,000


Embrace Success with Financing at Your Practice


Discover the transformative power of success in healthcare financing with PowerPay.

  • Expand your client base by attracting new patients who previously could not afford your services
  • Enhance customer satisfaction by making treatments more accessible
  • Improve cash flow by offering loans and receiving payment up front
  • Enable advanced procedures for patients by removing financial barriers and potentially increasing revenue

Enrolling as a Business

We know how much you do as a healthcare provider and business owner — that’s why we pride ourselves on making the enrollment process as simple as possible.

  1. Resources: We offer mobile links, printed guides, and excellent customer service for business assistance.
  2. Loan Application: Patients can conveniently apply for a loan through our website or yours.
  3. Application Review & Loan Selection: Our team reviews applications within 24 hours and helps patients choose the right loan product.
  4. Documentation and Funding: We collect required documents and facilitate the funding process upon meeting all requirements.

Our team is available daily from 8 AM to Midnight (EST) for on-demand assistance

Introducing Concierge

Our newest service, PowerPay Concierge, was developed to help our merchants maximize their consumer financing program. Having worked with over 6,000 merchants and thousands of borrowers, we took the most effective techniques and built a team that handles all aspects of a loan from application to funding.

Your concierge is your own finance manager and will help you sell, process, and close every one of your loans. Learn more today!



of Americans have less than $600 in savings.


of medical practitioners report financing increases their average sale.


of borrowers feel financing allows them to make a larger purchase.


HealthCare Financing for Medical Professionals FAQs

How can I offer healthcare financing to my patients?

Doctors and practices can offer healthcare financing through partnerships with financing companies or by establishing their own in-house financing program. Both options require clear understanding of the terms involved. Choose the approach that suits your needs to provide accessible financing options for your patients.

Will applying for a healthcare loan affect my patient's credit?

It depends on your loan provider. Some providers may report patient payment history to credit agencies, while others may not. You should check with your specific lender to find out how they report patient payments. If you are concerned about your patient’s credit score, you may want to recommend one of the top healthcare loan providers who do not require a credit check.

Does insurance cover elective procedures?

In most cases, insurance does not cover elective procedures. This is because insurance companies typically only cover procedures that are considered medically necessary. However, there are some exceptions to this rule. For example, some insurers may cover elective procedures if they are considered medically necessary to improve the patient’s quality of life.

What are the best payment options for elective procedures?

The best payment options for elective procedures are:

  • Paying out of pocket: Using personal funds to cover the procedure cost directly.
  • Line of credit: Borrowing money up to a limit and repaying it gradually.
  • Credit cards: Using a credit card to finance the procedure, with interest.
  • Personal loans: Obtaining a loan and repaying it over time, including interest.
  • Healthcare financing: Specific loans designed for elective healthcare procedures.

Consult with your healthcare provider to determine the most suitable option for you.

Offer Patient Financing for Elective Healthcare Procedures with PowerPay FAQ

Read PowerPay FAQ for HCPs to learn more about offering patient financing for plastic and cosmetic surgery, as well as answers to other frequently asked questions.