We date every change to this site so you can see how current our information is. Figures are rechecked every month against PatientFi’s own website and help center, the rating sites and regulator research. If you spot something out of date, email [email protected].
Update log
- Added an interactive deferred-interest chart to the calculator and a printable, embeddable “Before you sign a 0% plan” checklist.
- Added PatientFi’s published APR range of 6.99% to 32.99% and clarified that participating banks and credit unions make the loans.
- Added five new articles, including Is PatientFi legit?
- Added a Trustpilot and BBB rating snapshot and a comparison table with CareCredit and Cherry.
- Corrected PatientFi’s NMLS ID to 1719196, as listed on patientfi.com.
- Added state eligibility: not available in New Hampshire, Puerto Rico or the U.S. Virgin Islands; minimum age 19 in Alabama.
- First published. All figures checked against PatientFi’s help center.
Sources behind our main PatientFi figures
- Official site: About
- Official site: How it works
- Official site: Comparison with other financing companies
- Help Center: General FAQ
- Help Center: Can non-U.S. residents apply?
- Official site: Learn more
- Help Center: What credit score is required to apply?
- Business Wire: 4D EMR integration (May 2026)
- Orange County Business Journal: $25M Series B round
- Business Wire: PRIVI launch (April 2023)
- Better Business Bureau business profile
- CFPB: Medical Credit Cards and Financing Plans (May 2023, PDF)
- AARP: Beware medical credit cards and loans (2023)