# PatientFiLoan

> Independent, sourced consumer information about PatientFi patient financing. Not affiliated with PatientFi, Inc. Facts below were last checked September 23, 2026; each page links to its primary sources.

## Key facts about PatientFi

- PatientFi, Inc. is based in Irvine, California, founded in 2017, NMLS ID 1719196.
- PatientFi is the program administrator and loan servicer; the loans are made by participating banks and credit unions.
- Loans are offered only through enrolled healthcare providers, up to $60,000 with terms up to 84 months.
- PatientFi lists APRs from 6.99% to 32.99%; the lowest rate assumes excellent credit and autopay.
- Applying uses a soft credit check. There is no published minimum credit score.
- 0% plans are deferred interest: if the balance is not paid in full by the end of the promotion, interest from the start can be charged.
- Not available to residents of New Hampshire, Puerto Rico or the U.S. Virgin Islands; minimum age 19 in Alabama, 18 elsewhere.
- Ratings as of September 23, 2026: Trustpilot 3.8 out of 5 from 283 reviews; BBB A+, accredited since October 2019.
- Customer support (866) 734-5979; billing (877) 312-3625.

## Core pages

- [PatientFi Financing: Know the Real Cost Before You Sign](https://patientfiloan.com/): How PatientFi loans work, who qualifies, what 0% promos really cost, how to log in and pay, plus a free calculator and eligible states.
- [PatientFi Review 2026: Pros, Cons and Borrower Complaints](https://patientfiloan.com/patientfi-review.html): Our PatientFi review scores approval, loan amounts, cost clarity and service, with Trustpilot and BBB ratings and the complaints borrowers raise most.
- [How Does PatientFi Work? Apply, Get Approved and Pay](https://patientfiloan.com/how-patientfi-works.html): How PatientFi works step by step: find an enrolled provider, apply with a soft credit check, choose a plan, accept the charge and make payments.
- [PatientFi Credit Score Requirements: What You Need to Qualify](https://patientfiloan.com/patientfi-requirements.html): PatientFi has no published minimum credit score. See what it checks, age and state rules, the disputed approval rate, and how to improve your odds.
- [PatientFi Deferred Interest: How 0% Promos Really Work](https://patientfiloan.com/patientfi-deferred-interest.html): PatientFi 0% plans charge back interest if not paid in full. Try the interactive chart, see CFPB data, and download a free checklist to avoid it.

## Tools

- [PatientFi Calculator: Monthly Payments and 0% Promo Check](https://patientfiloan.com/patientfi-calculator.html): Free PatientFi calculator with a live chart. Estimate fixed-rate payments and total interest, or find the payment that clears a 0% promo in time.
- [Apply for PatientFi or Compare Procedure Loans](https://patientfiloan.com/apply.html): How to apply for PatientFi through an enrolled provider, and a free form to compare personal loan offers for medical and cosmetic procedures.

## Account help

- [PatientFi Login, Payments and Customer Service Numbers](https://patientfiloan.com/patientfi-login.html): How to log in to PatientFi, which portal to use, how to make a payment online, by phone or by check, and PatientFi customer service numbers.
- [PatientFi FAQ: Credit Check, 0% Interest, Login and Limits](https://patientfiloan.com/faq.html): Quick answers to common PatientFi questions: credit check, credit score, loan limits, deferred interest, early payoff, login and finding a provider.

## Comparisons and alternatives

- [PatientFi vs CareCredit: Which Costs Less for Your Procedure?](https://patientfiloan.com/patientfi-vs-carecredit.html): PatientFi vs CareCredit: installment loan or credit card, soft vs hard credit check, loan limits, terms, where each is accepted and deferred interest.
- [PatientFi vs Cherry: Approval Rates, Terms and 0% Plans](https://patientfiloan.com/patientfi-vs-cherry.html): PatientFi vs Cherry compared: loan amounts, 84 vs 60 month terms, deferred vs simple interest, and the disputed approval-rate claims.
- [PatientFi Alternatives 2026: CareCredit, Cherry and More](https://patientfiloan.com/patientfi-alternatives.html): Compare PatientFi alternatives: CareCredit, Cherry, Alphaeon, Sunbit, personal loans and in-house plans, with interest structures side by side.

## Topics

- [What Does PatientFi Cover? Surgery, IVF, Dental and LASIK](https://patientfiloan.com/patientfi-procedures.html): Procedures you can finance with PatientFi: plastic surgery, med spa, dermatology, IVF, hair restoration, cosmetic dentistry, LASIK and audiology.
- [PRIVI by PatientFi: How the Aesthetics Membership Works](https://patientfiloan.com/privi-membership.html): PRIVI is PatientFi’s monthly membership for injectables, fillers and skin care. How it works, the rewards, and how it compares with a PatientFi loan.
- [PatientFi for Providers: How It Works for Medical Practices](https://patientfiloan.com/patientfi-for-providers.html): How PatientFi works for practices: point-of-sale financing, pre-consultation approvals, multi-lender waterfall, integrations, payouts and merchant fees.

## Articles

- [Is PatientFi Legit? What We Found Checking the Company](https://patientfiloan.com/is-patientfi-legit.html): Is PatientFi legit or a scam? We checked its license, BBB and Trustpilot ratings, funding and who makes the loans, and what the complaints are about.
- [PatientFi Credit Union Membership: Why You May Need One](https://patientfiloan.com/patientfi-credit-union-membership.html): Why a PatientFi loan may open a credit union account for you, who actually funds the loan, who you pay, and what to ask before you accept.
- [Can You Pay Off PatientFi Early? Yes, With No Penalty](https://patientfiloan.com/pay-off-patientfi-early.html): PatientFi has no prepayment penalty. How to pay off a loan early, why it matters on 0% plans, how payments are applied, and how to stop autopay.
- [PatientFi Declined? Common Reasons and What to Do Next](https://patientfiloan.com/patientfi-declined.html): Declined by PatientFi? Why it happens, from frozen credit to thin credit files, whether it hurts your score, when you can reapply, and other options.
- [PatientFi for IVF: How Fertility Financing Works](https://patientfiloan.com/patientfi-ivf-financing.html): Using PatientFi for IVF: what it covers, loan limits and terms, why multi-cycle treatment means multiple loans, and other ways to pay for fertility care.
- [PatientFi Articles: Legit Check, Credit Unions and Payoff](https://patientfiloan.com/articles.html): Sourced PatientFi articles: is PatientFi legit, credit union membership, paying off early, what to do after a decline, and financing IVF.

## Optional

- [About PatientFiLoan: Editorial Policy and Methodology](https://patientfiloan.com/about.html): Who writes PatientFiLoan, how we research PatientFi, how we score it, how we make money, and how to request a correction.
- [PatientFiLoan Updates and Sources: What Changed and When](https://patientfiloan.com/updates.html): Every change we make to PatientFiLoan, dated, plus the full list of sources behind our PatientFi figures, from PatientFi, the CFPB, BBB and others.
- [Advertiser Disclosure | PatientFiLoan](https://patientfiloan.com/advertiser-disclosure.html): How PatientFiLoan makes money, our relationship with the third-party loan-finder form, and why compensation does not affect our PatientFi coverage.
- [Contact PatientFiLoan: Corrections and Editorial Questions](https://patientfiloan.com/contact.html): Contact the PatientFiLoan editorial team for corrections or questions. For PatientFi account help, contact PatientFi directly.
- [Privacy Policy | PatientFiLoan](https://patientfiloan.com/privacy-policy.html): How PatientFiLoan collects, uses and protects information: analytics, cookies, the third-party loan form, state privacy rights and requests.
- [Terms of Service | PatientFiLoan](https://patientfiloan.com/terms-of-service.html): Terms for using PatientFiLoan, an independent source on PatientFi financing: what the site is, third-party loan offers, estimates and liability.

## Full text

- [llms-full.txt](https://patientfiloan.com/llms-full.txt): plain-text version of the main pages for AI assistants