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Zero Interest Medical Financing

True Zero Interest for Your Hospital Bill

Not a promotion. Not deferred interest. Zero — from your first payment to your last.

The Most Important Distinction

True 0% vs Deferred Interest

When a medical payment product advertises "0% interest," there are two very different things that phrase might mean. The difference can cost you thousands of dollars — and most patients don't find out until it's too late.

True 0% interest means exactly what it says. No interest accrues, ever. The amount you owe your hospital is the only amount you pay — divided into monthly installments over your chosen term.

Deferred interest (used by CareCredit and many medical credit cards) means interest accrues at the full rate — often 26.99% APR — during the promotional period. If you pay the entire balance before the deadline, that interest is waived. But if even $1 remains, you're charged the full accrued interest on your original balance from day one.

⚠️ Example: $10,000 on CareCredit, 12-month promotional period. If $100 remains at month 12, you're charged 26.99% on the original $10,000 from purchase date — approximately $2,699 in retroactive interest charges.

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Side by Side

True 0% vs Deferred Interest: What You Actually Pay

Scenario Our 0% Plan CareCredit Deferred
$8,000 bill, 12 months, paid in full$8,000 ✓$8,000 ✓
$8,000 bill, 12 months, $500 remains at deadline$8,000 ✓$10,159 ✗ (+$2,159 retroactive)
$15,000 bill, 24 months, paid in full$15,000 ✓$15,000 ✓
$15,000 bill, 24 months, $1 remains at deadline$15,000 ✓$23,099 ✗ (+$8,099 retroactive)
$22,000 bill, 24 months, any balance remains$22,000 ✓$33,878 ✗ (+$11,878 retroactive)

CareCredit deferred interest calculated at 26.99% APR retroactive from purchase date. Our figures assume 100% balance remaining for worst-case illustration.

How We Do It

Why We Can Offer True Zero Interest

Most consumer medical credit products charge patients interest because that's how they make money. The business model requires interest revenue to be profitable.

Our model is different. We partner directly with hospitals as a technology and services platform — not as a consumer lender. Hospitals fund the program because it solves a real economic problem for them: hospital bills that go to collections typically recover only 10–20 cents on the dollar. Our payment plan program recovers 100 cents on the dollar, just over time. The math works for everyone.

This structure also explains why we can offer features that consumer lenders structurally cannot: no credit check, 100% approval, no fees, and no interest — because we're not taking on consumer credit risk. We're facilitating a payment relationship between you and your hospital.

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Hospital-funded

Hospitals pay the program cost — not patients

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Aligned incentives

We succeed when patients pay, not when they pay interest

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Regulated & HIPAA

Full compliance with all applicable patient finance regulations

Zero Interest FAQ

Questions About 0% Medical Financing

How do I know if a 0% offer is truly interest-free? ▾
Ask one question: 'Is this deferred interest or true 0%?' With deferred interest, any remaining balance at the promotional period end triggers full retroactive interest. With true 0%, no interest ever accrues regardless of your payment timing.
Is there a catch to zero interest medical financing? ▾
With our program, no. The only requirement is that your hospital participates in the program. There are no fees, no minimum payments beyond your chosen plan amount, and no interest charges under any scenario.
What happens if I can't pay my full balance during the plan term? ▾
With our zero interest plan, if you need more time, contact us. We work with patients to adjust payment schedules. There is no retroactive interest — ever — regardless of how long your balance takes to pay off.
Can I get zero interest financing for any medical procedure? ▾
Our zero interest financing covers your patient responsibility balance at partner hospitals for virtually any hospital-billed service — emergency care, surgery, maternity, oncology, and more.
Does applying for zero interest medical financing hurt my credit? ▾
No. Applying for our patient payment plan does not involve any credit inquiry and does not appear on your credit report. Your credit score is completely unaffected.

Apply for True Zero Interest Medical Financing

2 minutes. No credit check. Unconditional 0% interest. 500+ partner hospitals.

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