SearchYour health, your care—above all else.
At every step of your care journey, CareCredit Pay Later helps give you the confidence and support to keep moving forward.
Our benefits
Don’t wait. Pay Later.
Nothing should slow you down when it comes to getting the care you want or need. Pay Later helps make the payment process manageable and easy.
One-time-use loans
that close once paid in full
See if you prequalify
No hard credit check
Instant decision
gives customers same-day access to pay over time
No surprises
with fixed APR, terms, and clear payoff timelines
Your step-by-step guide
- Check if you prequalify with no impact to your credit score.
- One simple application, instant decision.
- Review payment options once you prequalify.
- If approved, move forward that same day.
Swipe for continued care.
See how the CareCredit credit card helps support ongoing care through reusable credit.
Get to know your options.
One application can unlock ways to pay: the CareCredit credit card, Pay Later loan, or a choice between the two.1
Ask your provider if they offer CareCredit Pay Later
Frequently Asked Questions
CareCredit Pay Later is a one-time-use loan that closes when paid in full at the end of the fixed term. This differs from a credit card, which can be used for additional purchases as credit becomes available. If approved, you can pay over time with fixed monthly payments. CareCredit Pay Later or the CareCredit credit card can help give you more flexibility to move forward with care. CareCredit Pay Later installment loans are available at select provider locations within the CareCredit network.
No, you cannot apply with a joint applicant for a CareCredit Pay Later loan.
You will receive a link in the welcome email to login to a portal where you can review the loan details, make payments, enroll in autopay and more.
You can apply for a CareCredit Pay Later loan at select provider locations. Please ask your provider if they offer the CareCredit credit card and CareCredit Pay Later.
If approved, you will only be able to use the loan for a specific purchase at the location where you applied.
Your first payment will be due approximately 25 days after the loan agreement is finalized. You will receive email reminders alerting you of upcoming loan payments.
1 Subject to credit approval.