Special interest rates for specific time periods.

CareCredit is a credit card and as with most credit cards, if you do not make your monthly payment on time or miss a payment, you will incur a much higher interest rate and fees. If you have not yet applied for CareCredit, you will see this high interest rate within the application.

In order to make CareCredit successful for you and to avoid these high interest rates, it is essential you make your minimum monthly payment and pay off your balance by the agreed upon due date.


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To receive the rate and payoff terms of your approved payment plan, you should pay your required minimum monthly payment on time. It is a good idea to send in your payment a week before it is due, or pay online to make certain your payment arrives at CareCredit before its due date. If payments are late, you will be charged interest charges on the full amount of your plan.

Missing a payment is the worst thing you can do for your credit rating and it means you will pay the most fees and the highest interest. Missing payments can lead to more late fees and an increased interest rate.

If you can not pay the full balance, pay half. If you can not pay half, pay something -- but always more than the minimum. If you just pay the minimum it may take a long time to pay off your debt, and you will pay lots of interest. If you find that you can never pay off what you have charged, re-evaluate your budget.

If you can afford it, paying your full balance every month will help you stay out of long-term debt while getting the convenience of using a credit card.

Make sure your statement reflects what you purchased. If something shows up that looks unfamiliar, call your credit card company immediately.

Make sure you only take on debt you know you can repay. If your level of debt gets too high, it can affect your credit rating. Lenders often look at the ratio of your overall debt to your income to see if you can pay your bills and still borrow.

  • Tips for managing credit card debt.
  • Pay on time.
  • Never miss a payment.
  • Pay more than the minimum.
  • Pay off your balance in full every month.
  • Check your monthly statement.
  • Maintain a low "Debt-to-Income Ratio"

Financial Glossary

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

Promotional Period:

The pre-determined time period during which your account has special financing terms. CareCredit offers two types of promotional financing plans.

Promotional Financing:

CareCredit offers two types of promotional financing plans: 1) No Interest if Paid in Full Within 6, 12, 18 or 24 Months* plans on purchases made with your CareCredit credit card. Not all promotional plans are available at all Participating Professionals. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period or if you make a late payment. Minimum Monthly Payments Required and may pay off purchase before end of promo period. 2) 14.90% APR and Fixed Monthly Payments Required Until Paid in Full** on purchases made with your CareCredit credit card. Fixed monthly payment amount based on repayment over 24, 36, 48 or 60 month period. Purchases of $1000 or more are eligible for a 24, 36 or 48 month offer and purchases of $2500 or more are eligible for a 60 month offer. Not all promotional plans are available at all Participating Professionals.

*/**Click here for Details and Terms

Finance Charges:

The charge for credit.

Minimum Monthly Payment:

The minimum monthly payment required on your account to maintain your promotional terms.

Revolving Line of Credit:

The agreement to lend you a specific amount and allow you to borrow again against that amount once it has been repaid.

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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 is CareCredit different from my other credit cards?

With CareCredit, you can get a No Interest if paid in full within the promotional period* payment plan every time you use it † on purchases made with your CareCredit credit card. Not all promotional plans are available at all Participating Professionals. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period or if you make a late payment. Minimum Monthly Payments Required and may pay off purchase before end of promo period.

*/** Click here for Details and Terms

† Subject to credit availability/approval.

How long do I have to pay off my treatment fees?

The length of time you have to pay depends on the promotional payment plan that you choose when you use the card. Not all CareCredit providers offer all promotional plans, so ask your provider for details.

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 plans as a convenient option to consumer credit cards, cash or checks. CareCredit allows you to pay over time often without incurring interest charges 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.

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