01
Term length
24 months$299.52$1,188 interest
→60 months$152.33$3,140 interest
At 17.99% APR, stretching to 60 months halves the payment but adds about $1,950 in interest.
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PatientFi payment calculator
Monthly payment, total interest and payoff date for a fixed-rate loan, or the exact amount you need to finish a promo at 0%.
Start from a typical treatment
Your loan
PatientFi advertises fixed APRs from 6.99% (3.99% for fertility) with excellent credit and autopay. Its examples go up to 32.99%.
Monthly payment$0at 0% APR
Total repaid$0
Total interest$0
Paid off by–
Balance by monthBalance Interest paid so far
Principal $0Interest $0
Year-by-year schedule
| Year | Paid | Interest | Balance left |
|---|
Your promo
The promo clock starts when your clinic is paid, not on your treatment date.
Pay this to finish at 0%$0
Paid by the deadline$0
Left at the deadline$0
Balance by monthPaid off Before deadline Still owed
Miss the deadline? PatientFi keeps the interest that built up during the promo and spreads the rest over a fixed-APR loan. Its examples use 32.99%.
For education only. Uses a standard amortization formula. Your real APR, minimum payment and schedule are set in your PatientFi loan agreement.
What changes the number
Three levers move your payment
All examples use a $6,000 treatment, worked out with the same formula as the calculator above.
02
Your APR
6.99% APR$185.24$668 interest
→32.99% APR$264.63$3,527 interest
Over 36 months, the gap between PatientFi’s lowest advertised rate and its highest example is about $2,860.
03
Autopay
17.99% APR$216.88$1,808 interest
→17.74% APR$216.13$1,781 interest
A small saving, about $27 over 36 months, but autopay also stops you missing a due date.
Cheat sheet
Monthly payment on $6,000, by APR and term
Each cell shows the monthly payment and the interest you’d pay over the whole loan. Greener means cheaper overall; redder means more interest.
Standard amortization formula, rounded to the nearest dollar. Your APR depends on your credit.
| APR | 24 mo | 36 mo | 48 mo | 60 mo |
|---|---|---|---|---|
| 6.99% | $269/mo+$447 interest | $185/mo+$668 interest | $144/mo+$895 interest | $119/mo+$1,127 interest |
| 12.99% | $285/mo+$845 interest | $202/mo+$1,277 interest | $161/mo+$1,725 interest | $136/mo+$2,189 interest |
| 17.99% | $300/mo+$1,188 interest | $217/mo+$1,808 interest | $176/mo+$2,458 interest | $152/mo+$3,140 interest |
| 24.99% | $320/mo+$1,685 interest | $239/mo+$2,587 interest | $199/mo+$3,548 interest | $176/mo+$4,564 interest |
| 32.99% | $345/mo+$2,275 interest | $265/mo+$3,527 interest | $227/mo+$4,877 interest | $205/mo+$6,317 interest |
The formula we use
M = P × r ÷ (1 − (1 + r)−n)
- Mmonthly payment
- Ptreatment amount
- rAPR ÷ 12
- nnumber of months
Promo mode is simpler: amount ÷ promo months is the least you can pay and still finish at 0%. We don’t estimate the interest PatientFi would keep if you miss the deadline, because that depends on your loan agreement.
What a calculator can’t know
- Your creditThe lowest advertised rates assume excellent credit.
- Your clinicPlan options can differ by provider and specialty.
- Your accountPatientFi says plans in your account can differ from website examples.
- Your start dateYour first payment is due 30 days after the practice charges your account.
Calculator: FAQ
Is this an official PatientFi calculator?
No. This is an independent estimate using a standard amortization formula. PatientFi's own calculator and the plans in your account show your actual options.
Why might my real PatientFi payment be different?
Your APR depends on your credit, and plan options can vary by provider. PatientFi also notes that the plans in your account calculator can differ from examples on its website.
What APR should I enter?
Use the APR in your offer. PatientFi advertises fixed APRs starting at 6.99% (3.99% for fertility) for excellent credit with autopay; its disclosure examples go up to 32.99%.
How is the promo payment calculated?
The payment needed to finish at 0% is your balance divided by the number of promo months, so the full amount is paid before the deadline.
Does the calculator include the autopay discount?
Yes. Turn on the autopay toggle to subtract 0.25 percentage points from the APR, matching the discount PatientFi describes.
Sources
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.
- Official PatientFi pages
- 1PatientFi, Disclosures: promo terms and APR examplespatientfi.com/disclosures
- 2PatientFi, How It Workspatientfi.com/how-it-works
- 3Are there any discounts for setting up Autopay?support.patientfi.com
- 4How do I pick a payment plan?support.patientfi.com
- 5Are there any pre-repayment penalties?support.patientfi.com