Vision Loans
Made Easy

Save money with $0 merchant fee options!

Offer low payment options for eyecare costs
through our quick and easy process!

  • $0 merchant fees
  • 12 to 72 month terms
  • 6 to 24 month promo offers
  • 9.99% APR
  • Greater case acceptance
  • Approvals up to $60,000
  • No prepayment penalties

Vision Services

Cataract Surgery

Offer vision loans for the removal of the lens of the eyes and replacement with artificial lens.

Conductive Keratoplasty

Offer financing for the correction of presbyopia and low hyperopia.


Offer vision loans for corrective eye surgery using a laser.

Lens Replacement

Offer financing to your patients for lens replacement surgery.

Offering Vision Care Financing

Vision care is a necessary part of life for many people, but the cost of procedures and products can often be prohibitive. Luckily, there are ways you can help make your services more accessible and affordable. Offering financing to your patients is worth considering as both a healthcare professional and a business owner. There are multiple ways to do this, so it is important to choose the best option for your practice. We will cover some background on vision care and financing in order to help you make this decision.

What is a vision loan?

A vision loan is a type of financing that can be used to cover the cost of vision care, including procedures and products. This type of loan may be an option for patients who cannot pay for their vision care out-of-pocket or who do not have insurance coverage. Vision loans typically have low interest rates and flexible repayment terms, making them an affordable option for many patients.

What are the benefits of offering vision financing through PowerPay?

PowerPay is a dental financing company that offers several benefits to both patients and providers by working directly alongside them. Some of our highlights include:

  • No hidden HCP/ office fees
  • Quick payment solutions to help your patients cover their procedures
  • Receive payment right away with our instant approval process
  • Financial management help for coordinating loans with patients
  • No more chasing down customers for payments

How do my patients benefit from financing?

There are many benefits for patients when they choose to finance their eye care needs. Some of these include:

  • No upfront costs. Patients can get the procedures they need without having to pay any upfront costs.
  • Lower interest rates and flexible repayment terms. 
  • Afford procedures not covered by insurance. That LASIK surgery is no longer out of reach!

How it Works

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. Once you enroll your business with PowerPay, our team will begin training you and you will be able to offer loans to your patients. We also provide a number of resources to help your business get started, including mobile links, printed guides, excellent customer service, marketing assistance and even on-demand assistance for any loan.

Once your team has been approved and trained, your patients can apply directly for a loan via our website or yours by simply clicking a link. Our team will review their application within 24 hours and then assist with loan product selection, including collection of identity, all necessary loan documents, process of stipulations for any applications that might need more work, and funding. For more support, we have a team on stand-by from 8 AM – Midnight (EST) everyday!

PowerPay’s Concierge service is also available for any healthcare professionals new to patient financing, or who simply need additional resources to help manage the loan process. With Concierge, your practice will have a dedicated personal finance manager to handle all of the tedious tasks involved in the loan process for you.


of Americans have less than $600 in savings.


of dealers report financing increases their average sale.


of cardholders feel promotion financing makes their larger purchases affordable.

Why should I offer vision financing at my practice? 

There are many benefits to offering financing to your patients. To name a few:

  • Grow your client base. Offering loans can help you attract new patients who may not have been able to afford your services otherwise.
  • Increase customer satisfaction. By offering financing, you can make it easier for your patients to get the treatment they need.
  • Improve cash flow. Offering loans can help improve your business’s cash flow by providing you with payment upfront.
  • Provide more expensive services. By offering alternative payment methods, your patients will be able to afford higher priced eye care and procedures.

Why might a patient need to finance vision care?

There are several reasons why a patient might need to finance vision care. In some cases, vision care is not covered by insurance, either because it is considered an elective procedure or because the patient has reached their maximum out-of-pocket spending limit. In other cases, the patient may not have enough money saved to cover the cost of vision care. Financing can help patients pay for vision care when they otherwise might not be able to afford it.

Other Payment Options

In addition to loans, there are other financing options available to patients. Some of these include:

  • Using a line of credit
  • Insurance
  • Credit Cards
  • Savings

Based on your patient’s unique financial situation, they should choose the payment method that works best for them. By offering healthcare financing as an option, you can give your clients another means of affording their eye care.

Win More.

Close more sales by focusing on low monthly payments

Keep More.

Eliminate paying fees to banks and finance companies

Earn More.

No more compromising on price – upsell the project your customer really wants.


Offering Vision Loans to Patients FAQ

What are the most popular vision financing methods?

There are a few different ways to finance elective vision treatments. Some people choose to pay for treatments out-of-pocket and others take out loans, or use credit cards. A growing number of people are also using vision insurance plans and health savings accounts (HSAs) to cover the cost of their treatments.

If my patient needs vision financing, will it impact their credit?

It depends on the lender. Some lenders will report a patient’s borrowing activity to credit agencies while others will not. It’s best to ask the lender directly about their reporting policy when choosing the best loan provider to partner with.

What is the typical time frame in which a patient can get approved for a vision loan?

The best vision loan providers can offer near-instant approvals, to get your patient the money they need quickly. However, the exact amount of time it takes to get approved depends on the loan provider and other factors related to your patient’s credit standing.

What advantages does vision financing offer my patients?

Vision financing offers several benefits to patients. Financing may be a great option for helping people afford eye surgery who can’t pay out of pocket right away because it allows for long term repayment plans. For patients who can afford it, financing helps to keep more money in their pocket with no early payment penalties and low interest rates. Being able to finance now may help patients get procedures they need sooner and more affordably.

Offering Financing & Loans with PowerPay FAQ

Read our PowerPay FAQ for answers to top questions about offering patient loans through PowerPay for elective vision treatments and procedures.