These answers are based on the company’s public help center, its disclosures, and consumer research from the CFPB. Terms can change, so always confirm details on your own offer or loan agreement before you borrow. For deeper explanations, each answer links to a full guide on this site.
Frequently asked questions
What is PatientFi?
PatientFi is a healthcare financing company based in Irvine, California. It partners with medical, dental and aesthetic practices so patients can pay for elective treatments in monthly installments.
Who owns PatientFi?
The company is privately held and was co-founded by CEO Todd Watts. It has raised venture funding from investors including Questa Capital and Patriot Financial Partners.
Is PatientFi a loan or a credit card?
It is an installment loan. Each approved charge from your provider becomes a loan with its own term and payment schedule.
Does PatientFi check credit?
Yes, with a soft credit check that does not affect your score. Your credit file must be unfrozen to apply.
What credit score do I need for PatientFi?
There is no published minimum. Most approved applicants have good to excellent credit. See PatientFi requirements.
How much does PatientFi lend?
It advertises approvals up to $60,000 and terms up to 84 months.
Is PatientFi 0% interest a trap?
Not if you pay the full balance before the promotion ends. If you do not, deferred interest can be charged from the purchase date. Our deferred interest guide explains it.
Can I pay off PatientFi early?
Yes. There is no prepayment penalty.
How do I log in to PatientFi?
Use “Login with PatientFi” on the official portal and enter the 4-digit code sent to your phone or email. See the login guide.
How do I find a doctor that takes PatientFi?
Search the official provider directory at search.patientfi.com, or ask your practice whether it takes this financing.
What is deferred interest?
Deferred interest means no interest is charged during a promotional period only if the full balance is paid by the deadline. If a balance remains, interest that built up since the purchase date can be added at once. It is common on medical credit cards and point-of-sale loans.
Is a soft credit check the same as prequalification?
They are related. A soft inquiry lets a lender review your credit without affecting your score, which is how most prequalification works. A hard inquiry usually happens when you accept a loan or open an account, and it can lower your score slightly for a short time.
Should I choose a fixed-rate plan or a 0% promotion?
Choose the 0% promotion only if you are confident you can pay the full balance before it ends. If your income is uneven or the monthly amount is a stretch, a fixed-rate plan costs more in interest but removes the risk of a large back-interest charge.
Is this website PatientFi?
No. PatientFiLoan is an independent guide. We are not affiliated with the company and cannot access or manage its accounts.
What is the loan form on this site?
It is a third-party loan-finder that checks personal loan offers from a lender network. It is not an application for this financing. We may be compensated when it is used.