Finance your personal
health goals

Get approved in under 2 minutes!

This will NEVER affect your credit score

Healthcare Financing for Elective Procedures

With good health comes happiness, which is why PowerPay takes pride in our mission to help our customers improve their lives. We take large and expensive procedures and convert them into low and affordable monthly payments so that you can enjoy your personal health goals sooner rather than waiting until you have enough savings.  Elective procedures in dentistry, vision, fertility treatments, cosmetic surgery, and medical spa treatments are important and can be very costly. With a PowerPay healthcare loan, a $5,000 procedure can cost less than $90 per month.

We make the process of financing an elective procedure both fast and easy. With a 2-minute application and instant approval, it’s never been easier to start achieving your personal health goals.

Industry Best Program

up to 72-month terms, rates from 9.99%, and max loan of $35,000

Streamlined Process

instant decisions, electronic docs, quick and easy loan process

No Prepayment Penalties

pay off part or all of your loan at any time with NO penalty fees

Elective Healthcare Services

Dentistry

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

Vision

Cataract Surgery, Conductive Keratoplasty, LASIK, Lens Replacement

Fertility Treatments

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, Coolsculpting, Breast Augmentation, Eyelid Surgery, Facelift, Liposuction, Mini Facelift, Mommy Makeover, Nose Job/Rhinoplasty, Plastic Surgery, Reconstructive Surgery, Skin Tightening, Tummy Tuck

Medical Spas

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

Calculate your monthly loan payment


Term (In Months)

Interest Rate

How it Works

Elective health procedures like vision, dental, fertility, medical spas, and cosmetic surgery can be very expensive. For people that need or want these procedures, finding a way to pay the doctor for this elective service can be difficult. PowerPay offers an easy and affordable way for you to pay for any elective health procedure with low rates over a long period of time. This converts an expensive medical procedure into an affordable, low monthly payment.

Here’s how the process works. First, you need to complete the 2-minute application (this will not affect your credit score). The doctor’s office can provide you with an application or you can apply online. Once your application is submitted and approved, you and your doctor will confirm the final cost of your procedure and prepare a final treatment plan. Once your procedure is scheduled, you will receive electronic loan documentation for e-signature. Your payments will begin approximately 30 days after your procedure has been completed. You can pay online or through our mobile app.

Save Time.

2-minute application, instant decisions, electronic docs

Save Money.

with low rates and longer terms, you get the lowest monthly payment

Be Happy!

stop waiting to improve your life – buy now and pay over time

Reviews

Patient Healthcare Financing FAQ's

What kind of healthcare services can I get a loan for?

Here is a partial list of our most popular healthcare procedures you can borrow money for a loan:

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

Medical Spa 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

Powerpay FAQ

What is PowerPay?

PowerPay is a digital lending platform for the home improvement industry. Our fully automated technology offers near-instant approvals on loans up to $100,000, helping homeowners translate expensive home improvement projects into low monthly fees that can be paid over time.

Unlike other digital lending platforms, PowerPay is a fully independent company that is committed to delivering loans with no extra fees or added costs in order to offer the lowest monthly payment possible to our customers. After all, the more affordable the loan, the bigger the possibilities for your home.

What home improvements can I finance?

Any equipment, service, installation costs or other project related to home improvement qualifies for financing. The following is a partial list of what PowerPay finances: HVAC equipment & installation, attic insulation, stone veneer, windows, siding, roofing, kitchen remodels, bathroom remodels, cabinets, carpet, deck & patio, doors, fireplaces, garage doors, smart home equipment & installation, hardwood flooring, paint & wall coverings, hardscaping, landscaping, siding & exteriors, tile, stone & countertops, air conditioning & heating, gutters, spa & pool, home additions, deck building, tile installation, basement remodeling, custom cabinets, fence installation, lighting installation, garage building, cabinet installation, backsplash installation, electrical and plumbing and appliances.

What contractors can I work with?

Any contractor can provide PowerPay financing.  If your contractor does not offer it, simply ask them to sign up on our dealer enrollment page.  It’s free for the contractor to sign up, takes only a few minutes to set up their account and they can process your loan in less than 48-hours. 

Does using PowerPay impact my credit score?

No.  When you apply for a PowerPay loan it will not affect your credit score.  PowerPay uses what’s known as a soft pull from credit agencies.  A soft inquiry—also called a “soft pull”—allows us to review your credit report and credit score to get a sense of how well you are managing your credit but it will not affect your score.

What equipment do you finance?

We work with all of the major equipment and material manufacturers.

Why should I use PowerPay?

Just like many people finance their car payments, over 50% of all home improvement projects are financed. Financing can be a great payment option when your dream project costs too much money to pay for all at once. Using PowerPay, you can translate that expensive lump sum into a low, affordable monthly payment. The result is the opportunity to stop worrying about what a project costs, and spend more time dreaming about the possibilities for your home.

What makes PowerPay different?

PowerPay is a fully independent company that is committed to delivering loans with no extra fees or added costs in order to offer the lowest monthly payment possible to our customers. After all, the more affordable the loan, the bigger the possibilities for your home.

How do I buy with PowerPay?

It’s easy. You can either work through your participating contractor or contact us directly.  Follow our simple application process. If you pre-qualify, you’ll be shown the monthly cost of the item and can complete the process.

Where do I apply?

You can apply on our website at our online application form. Or, simply work with any participating contractor.

How can I get approved for a loan?

Just fill out the simple online application and receive a decision in seconds. It’s that easy.

Who is eligible to apply for PowerPay?

U.S. residents over the age of 18 (or 19 for Alabama or Nebraska residents) are eligible, provided we can verify your identity.

Can I pay my loan back early?

Yes. You can prepay anytime for all or part of your loan. There is never a penalty for paying early.

What is the application process like?

The application process is fast and easy. You’ll be asked to provide some basic information about yourself. If you qualify, you will receive an email with one or multiple loan options along with a loan limit that may even go beyond the cost of your project. You may opt to borrow more and add things like annual maintenance and monitoring to your loan.
Where applicable, there is a one-time member activation cost for each approved loan. For convenience, that cost can be rolled into the final loan balance. As a PowerPay member, you also get exclusive access to member benefits from our lender, including insurance, monitoring, utility, & entertainment partners. Your contractor will walk you through the details prior to signing. All of the documents are electronic so you can sign everything from your home or office without any paperwork.

How does the financing work?

Fill out our online application and receive an instant approval via secure private email. Next, select the plan you want to choose with your contractor and then receive and sign our secure paperless closing documents. 

Can I obtain a direct loan using PowerPay?

Yes.  PowerPay is available to help to finance a home improvement through participating contractors, but if you do not have a participating contractor, we can help connect you to one in our network. Alternatively, your current contractor can enroll with us and be up and running in less than 48-hours.

Is PowerPay a bank?

No, we are not a bank. We are a digital lending platform designed specifically for the home improvement industry.

Are payments secure?

It is very important to us that your personal information remains secure and encrypted. We install endpoint protection software and/or secure web gateways at all points in our online process. There is a data protection policy in place to help ensure that personal data is kept secure.

How do I make payments?

Once your loan is processed you will receive your loan documents, welcome package, and payment instructions. You can pay with ACH, check, or debit card.

How is the APR (annual percentage rate) determined?

We work with our lender network to look at the credit risk of you as a borrower, and to give you a rate that fits your credit profile. Your financing options are presented to you in clear, simple terms. You are never obligated to accept them. Unlike many platforms that offer credit cards, PowerPay strives to offer lower-risk borrowers with lower rates. The annual percentage rate is the cost of credit as a yearly rate.

Why was I declined for a loan?

Unfortunately, financing options can’t be provided to everyone. If you believe a mistake has been made, please let us know by contacting 800-397-4485. If you are declined, you will receive a notice within 30 days at the email address you provided to us, describing some of the reasons you were declined. Applicants are declined only for credit reasons.

Where can I ask a question or make a complaint?

Please let us know right away. If we have fallen short of our goals, we’d like to know as soon as possible so that we can rectify the situation. You can call us at 800-397-4485 or chat online 24 / 7.

When are my payments due?

Your first payment will be due approximately 30 days from the funding date. Subsequent payments are due every month after that, usually on the same day of each month.

Is PowerPay a credit card?

No. PowerPay is a consumer loan program. You do not need to hold and manage yet another credit card when you work with PowerPay.