From finding a clinic to your last payment: who does what, what gets checked, and what happens after you tap “accept.”
PatientFi only works at participating practices, mostly elective care: cosmetic dental, MedSpa and dermatology, plastic surgery, fertility, hair restoration, audiology and vision. Ask your clinic at checkout, or use PatientFi’s provider search.
You apply on your phone, tablet or computer. PatientFi says checking what you qualify for uses a soft credit check that doesn’t affect your score. The patient, a legally married spouse, or a parent of the patient can apply, and there’s no fee.
What PatientFi reviews
Once you’re approved, the practice issues a transaction request to PatientFi for the cost of your treatment. It appears in your PatientFi account, ready for you to review.
In the portal you choose between promotional plans (0% only if paid in full before the promo ends) and fixed-rate plans (the same payment every month, with advertised APRs from 6.99%, or 3.99% for fertility). You link a debit card or bank account, set autopay or a first payment, then accept. That releases the funds to your clinic.
Online payments open about 3–5 days after you accept, and your first payment is due 30 days after the practice charges your account. Statements live under Manage Account, then Account Documents. You can pay extra or pay off early with no prepayment penalty.
PatientFi says plainly that it is not a bank. Here’s who does what behind the scenes.
PatientFi lists NMLS ID #1719196 and describes itself as program administrator and loan servicer for its lending partners.
Tick what applies to you.
Work through the list to see if you’re ready.
Costs to get started
What PatientFi’s own pages say
* Some providers, or some approvals based on credit, may require a down payment.
PatientFi says checking what you qualify for uses a soft credit check and won't hurt your credit score. Once you have a loan, late or missed payments may be reported to credit bureaus.
The person having the procedure, their legally married spouse, or a parent of the patient can apply. There is no fee to apply.
No. PatientFi, Inc. says it is not a bank. Loans are made by partner lenders, including Lead Bank and Optum Bank, and PatientFi services the loans. It lists NMLS ID #1719196.
According to its help center: your credit history, credit score, income and employment, debt-to-income ratio, and whether your credit report is frozen. The report must not be frozen for the check to run.
No. Each transaction opens a separate loan with its own terms, and PatientFi does not merge or consolidate loans.
No. PatientFi says it does not charge prepayment penalties.
30 days after the practice charges your PatientFi account.
Every figure links to where it came from. Fact-checked October 11, 2026.
Independent guide, not affiliated with PatientFi, Inc. Not financial or legal advice; your loan agreement is the final word.