The PatientFi process, start to finish
Find a provider that offers PatientFi
PatientFi only works at enrolled practices. Many clinics share a direct application link or a QR code on a brochure. You can also search by practice, specialty or location in the PatientFi directory.
Complete the application
You enter your name, contact details, home address, income and housing situation. PatientFi runs a soft credit check, which does not affect your credit score. Unfreeze your credit report first, or the check cannot run.
Review your offers
If approved, you see your spending limit and plan options. These can include fixed-rate plans with a set APR and 0% promotional plans. Look for the words “if paid in full”: that means the promotion is deferred interest.
Your provider sends the charge
After treatment is scheduled, the practice submits the charge. You review it and accept or reject it in the Account Portal, where you can also read your loan terms.
Get your welcome letter
Within 3 to 5 business days of accepting, PatientFi emails a welcome letter with your billing account details and Payment Portal access.
Repay monthly
Your first payment is due 30 days after you accept. Pay by debit card or bank account (ACH) online, by phone, or by check. PatientFi does not accept prepaid cards or HSA/FSA cards for payments.
Two portals, two jobs
| Portal | What you do there |
|---|---|
| Account Portal | Review and accept or reject provider charges, see loan terms and agreements, track your spending limit |
| Payment Portal | Make payments, set up autopay, change payment methods, view statements and balances |
Both use passwordless sign-in with a one-time code sent to your phone or email. Step-by-step help is in our PatientFi login guide.
Fixed-rate plan vs 0% promotion
| Feature | Fixed-rate plan | 0% if paid in full |
|---|---|---|
| Interest | Charged from the start at your APR | None if paid in full by the deadline; otherwise interest from the purchase date can apply |
| Monthly payment | Same every month | A minimum is set, but it may not clear the balance in time |
| Due date | Can be changed once over the loan | Set by the contract, cannot be changed |
| APR | 6.99% to 32.99%, set by your credit profile | Applies back to the start if not paid in full |
| Autopay | 0.25% APR discount | 0.25% APR discount; required for 0% offers |
| Best for | Predictable budgeting | Paying off quickly |
If you choose a 0% promotion, divide the balance by the number of promotional months and pay at least that amount, or use the PatientFi calculator. Do not assume the minimum payment is enough.
What PatientFi can pay for
PatientFi is used for elective and out-of-pocket care at enrolled practices, including plastic surgery, med spa treatments, dermatology, fertility and IVF, hair restoration, cosmetic dentistry, audiology and LASIK. For fertility patients, financing can also cover medications, labs and testing. See procedures PatientFi covers.
Frequently asked questions
How long is a PatientFi approval good for?
Approvals can be used at your provider for a set window after approval. Check the expiration shown in your Account Portal, and ask your provider to send the charge before it lapses.
Can I apply for PatientFi over the phone?
No. PatientFi says applications are not taken over the phone. Apply on your phone, tablet or computer through your provider’s link or search.patientfi.com.
When is my first PatientFi payment due?
The due date is set 30 days from the day you accept the transaction. You can start making payments online 3 to 5 days after accepting, once your Payment Portal access is active.
Can I combine two PatientFi loans?
No. Each new charge from a provider opens a separate loan with its own terms, and loans cannot be merged.