PatientFi

Apply for PatientFi, or compare procedure loans

PatientFi applications happen through your provider. If that route is closed to you, the form below checks personal loan offers you can use anywhere.

Written by the PatientFiLoan Editorial Team. Last reviewed September 23, 2026.

Independent site. Not affiliated with PatientFi, Inc. We may earn a commission from the loan-finder form. How we make money

Two ways to finance a procedure

FeaturePatientFiLoan-finder form on this page
Who lendsPatientFi and its lending partnersIndependent lenders in a third-party network
Where you applyThrough an enrolled provider or search.patientfi.comRight here, before choosing a provider
Where you can use itOnly at the provider that sends the chargeFunds go to you and can be used at any provider
0% offersDeferred-interest promotions availableRarely; most offers are fixed-rate
Credit checkSoft check to applyUsually soft to check offers; hard if you accept

Applying for PatientFi itself

  1. Confirm your provider offers PatientFi

    Ask the front desk, or search PatientFi’s own provider directory at search.patientfi.com.

  2. Use the practice’s link or QR code

    This ties the application to your provider so the approval can be used there.

  3. Unfreeze your credit and apply

    The application takes about 30 seconds and uses a soft check.

Details on what is reviewed are in our requirements guide.

Using the loan-finder form

If your clinic does not offer PatientFi, or you would rather have funds you can use anywhere, the form on this page lets you check personal loan offers from a lender network. It is not that application, and we are not a lender. Rates, amounts and terms are set by each lender, and not everyone qualifies. We may be paid when you submit the form or accept an offer.

Compare any offer’s APR and total cost with a PatientFi fixed-rate plan before accepting. A personal loan has no deferred-interest risk, but its APR can be higher than a promotional plan you pay off on time.

Sources

  1. Official site: How it works
  2. Help Center: What credit score is required to apply?
  3. Provider directory

Check personal loan offers for your procedure

PatientFi only works at enrolled practices, and you apply through your provider. If your clinic does not offer it, or you were declined, a personal loan is another way to pay for a procedure.

This form is not an application to that company. It checks offers from a network of independent lenders. Checking offers typically uses a soft credit inquiry; a lender may run a hard inquiry if you accept an offer.

Want PatientFi itself? See how to find an enrolled provider.

Rates and terms disclosure

Loan-finder form: offers come from independent lenders in a third-party network, not from PatientFi or this site. Each lender sets its own APR, fees, loan amount and repayment term based on your credit, income and state, and not every applicant qualifies. Some short-term loans carry APRs well above 36%. Before you accept, review the Rates & Fees disclosure inside the form and the APR, total cost and term shown on your offer.

Example for illustration only: $1,000 repaid over 12 months costs about $1,089 in total at 16% APR ($90.73 a month) and about $1,418 at 70% APR ($118.19 a month).

PatientFi loans: The company lists APRs from 6.99% to 32.99% on loans made by its participating banks and credit unions; the lowest rate assumes excellent credit and autopay. Its own example: $10,000 over 84 months costs $150.88 to $306.31 a month. Your offer shows your APR and whether a 0% promotion is deferred interest.

Loan-finder form. Submitting it is not a commitment to borrow.