Vision Loans
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Offer low payment options for eyecare costs
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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.

Offer Financing for your Vision Care Patients

Vision care is a necessary part of life for many people, yet the cost of procedures and products can often pose challenges. Fortunately, there are strategies you can implement to improve the accessibility and affordability of your services. As a healthcare professional and business owner, offering financing to your patients is worth considering. With various financing options available, selecting the most suitable approach for your practice is crucial. We will provide some background on vision care and financing to assist you in making an informed decision.

What is a vision loan?

A vision loan is a financing solution specifically designed to cover the cost of vision care, including procedures and products. This type of loan can be an option for patients who are unable to afford their vision care out-of-pocket or lack insurance coverage. Vision loans offer attractive features, including low interest rates and flexible repayment terms, making them an affordable option for a variety of patients.

The Benefits of Vision Financing with PowerPay

PowerPay is a 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

As a dedicated healthcare provider and business owner, we understand the demands on your time. — that’s why we pride ourselves on making the enrollment process as simple as possible. When you enroll your business with PowerPay, our team will provide comprehensive training, equipping you to offer loans to your patients seamlessly We also offer a range 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-related inquiries.

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 promptly review their applications within 24 hours and assist them in selecting the right loan product, 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 available for healthcare professionals new to patient financing or seeking additional resources to manage the loan process, our Concierge service is here to assist you. By opting for Concierge, your practice will benefit from a dedicated personal finance manager who will handle the time-consuming tasks associated with the loan process on your behalf


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 You Should Offer Vision Financing at Your Practice

There are numerous 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.