Finance your personal
Get approved in under 2 minutes!
This will NEVER affect your credit score
- 12 to 84 month terms
- 6 to 24 month promo offers
- 9.99% – 17.99% APR
- Approvals up to $60,000
Never compromise your healthcare 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
Why Patients Prefer Financing Healthcare with PowerPay
If your insurance doesn’t cover the cost of your procedure or if you have limited insurance coverage, accessing healthcare financing for elective procedures becomes crucial. Many individuals turn to specialized third-party lenders like PowerPay to bridge the financial gap and make the necessary care more affordable.
At PowerPay, we prioritize efficiency and convenience for both consumers and healthcare providers.
Some key highlights of our financing process include:
- Soft credit pulls, so there’s no impact on your credit score.
- Ability to add a co-applicant to a loan.
- No prepayment penalties or deferred interest, so you can pay off your loan at any time without penalty.
- Low APRs and flexible repayment terms to help you pay your loans off affordably over time.
- Excellent customer service available to help you through every step of the process.
Applying for healthcare financing with PowerPay is quick and easy.
Industry Best Program
up to 84-month terms, rates from 9.99%, and max loans of $60,000
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
What is an elective procedure?
An elective procedure is a non-medically necessary medical procedure chosen for cosmetic or personal reasons. They include plastic and aesthetic surgery, MedSpa treatments, dentistry, vision correction, fertility treatments, and more. The cost of elective procedures can vary widely.
Does insurance cover elective procedures?
Insurance generally does not cover elective procedures as they are not considered medically necessary. Insurance coverage is typically provided for procedures aimed at treating specific medical conditions or improving health. However, there may be exceptions to this rule.
What is the typical cost of an elective procedure?
The cost of elective procedures in healthcare can significantly vary based on several factors. Factors such as the geographical location where the treatment is obtained can influence the procedure’s cost. Furthermore, the choice of healthcare provider can also affect the overall expense.
How do most individuals finance their healthcare costs?
Numerous options exist to assist with healthcare expenses. Some individuals utilize medical savings accounts, flexible spending accounts, or employer-provided or individually purchased insurance.
However, for procedures not covered by insurance, which often involve substantial costs, healthcare expenses are commonly paid in cash or financed. While various financing options are available, unsecured loans are typically the quickest, easiest, and most convenient choice. These loans generally offer lower interest rates compared to credit cards. Opting for an unsecured loan that allows for free prepayments enables you to repay the loan without any fees whenever you have the funds available.
When is my first payment due?
Your initial payment will be due around 30 days following the completion of your loan documents. Once you have applied and received approval, our dedicated concierge team will be in touch to assist you throughout the process. They are available to address any inquiries you may have and can provide guidance on setting up automated payments. Alternatively, you can visit our payment center for further assistance here
We accept Debit Card, ACH (checking account) and checks.
Online: Click here to set up your online account
Phone : You can call (800) 397-4485 until Midnight EST for assistance with mobile and automated payments.