Special interest rates for specific time periods.

Many credit cards offer teaser or introductory rates for a limited time. When you use CareCredit for purchases of $200 or more, you can choose one of our special financing options. We offer special financing options from 6 to 24 months. And, longer term plans for up to 60 months*.


Apply Now

Financial Glossary

  • Promotional Period
  • Special Financing
  • Finance Charges
  • Minimum Monthly Payment
  • Revolving Line of Credit
  • Standard Terms

Promotional Period:

The pre-determined time period during which your account has special financing terms. For purchases of $200 or more, CareCredit offers two types of promotional financing options.

Special Financing:

For purchases of $200 or more, CareCredit offers two types of special financing options: 1) No Interest if Paid in Full Within 6, 12, 18 or 24 Months* On qualifying purchases of $200 or more made with your CareCredit credit card account. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Purchases eligible for 6, 12 or 18 month promotions: Minimum Monthly Payments required and may pay off purchase before end of promotional period. Purchases eligible for a 24 Month promotion: Fixed Monthly Payments required until paid in full and based on repayment over 24 months. 2) 14.90% APR and Fixed Monthly Payments Required Until Paid in Full**. Not all enrolled healthcare practices offer all special financing options, so please ask your practice to explain which ones are available for your purchase.

*/**Click here for Details and Terms

Finance Charges:

The charge for credit.

Minimum Monthly Payment:

Minimum monthly payments on statement may or may not pay off purchase before end of promotional period.

Revolving Line of Credit:

An agreement by a bank to lend a specific amount to a borrower and to allow that amount to be borrowed again once it has been repaid.

Standard Terms:

Your healthcare credit card has standard terms for those smaller purchases that are under $200. Use it for things like chiropractic treatment, teeth whitening products, co-payments, skin care products or pet care supplies.

Get Your Free Guide

to Healthcare Financing

Your guide will cover:
  • How CareCredit works
  • Paying for healthcare
  • Tips for selecting a doctor






By providing your email address, you consent to receive marketing email communications from CareCredit.

Frequently Asked Questions

How do I qualify for CareCredit?

Approval is based on information from your credit application and past credit history. This includes information from the primary applicant as well as any co-applicant.

Why do doctors offer CareCredit?

Many patients put off treatments and procedures because they cannot afford to pay. Doctors offer CareCredit payment options as an alternative to consumer credit cards, cash or checks. CareCredit allows you to pay over time instead of a lump sum prior to treatment. Offering CareCredit removes the accounts receivable responsibilities from the doctor and allows them to focus on recommending and providing the best care to their patients.

What if my healthcare provider doesn't accept CareCredit?

Click here to find a doctor in your area, or if you'd like to refer your healthcare provider to CareCredit, click here to fill out our provider referral form. We will then contact the referred healthcare practice to discuss the benefits of offering CareCredit to their patients and clients.

What will my monthly payments be?

To estimate your monthly payments, use our online Payment Calculator.

View All