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Option One
No Interest if Paid in Full within the Promotional Period *
Promotional Period:
Optional Equal Monthly Payment
to avoid interest and pay only the amount financed:
24 Month
$105/mo
18 Month
$139/mo
12 Month
$209/mo
6 Month
$417/mo
On qualifying purchase of $200 or more made with your CareCredit credit card account at enrolled provider locations. Interest will be charged to your account (at the rate of 26.99% for new accounts) from the purchase date if the promotional purchase is not paid in full within the promotional period.

* No Interest if Paid in Full within 6, 12, 18 or 24 Month Promotional Period

On qualifying purchases of $200 or more made with your CareCredit credit card account at enrolled provider locations. Interest will be charged to your account (at the rate of 26.99% for new accounts) 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. Purchases eligible for a 24-Month promotion: Fixed Monthly Payments required until paid in full and based on repayment over 24 months. Required monthly payments may or may not pay off purchase before end of promotional period.

* No interest will be charged on the promotional purchase if you pay the promotional purchase amount in full within the 6, 12, 18 or 24-month promotional period. If you do not, interest will be charged on the promotional purchase from the purchase date. If your purchase qualifies for a 24-month promotional offer, fixed monthly payments are required equal to 4.1667% of initial promotional purchase amount until promotion is paid in full. The fixed monthly payment will be rounded up to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. For all other promotional offers, the regular minimum monthly payment terms of the account will apply. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional balance, except the fixed monthly payment will apply until the promotion is paid in full. For new accounts, Purchase APR (interest rate) is 26.99%. Minimum Interest Charge is $2. Existing cardholders should see their credit card agreements for their applicable terms. Subject to credit approval.

May be greater than the required minimum monthly payment that will be on your billing statement for the Amount Financed. Equal the Amount Financed divided by the number of months in the promo period. Would pay off the Amount Financed within the promo period, but only if there are no other balances on your account at any time during the promo period and you make your payments on time. Your Total Payments will equal the Amount Financed.

PLEASE NOTE: If the Amount Financed is not paid in full within the promo period interest will be charged to your account from the purchase date.

Option Two
Reduced APR and Fixed Monthly Payments Required Until Paid in Full **
Promotional Period:
Fixed Monthly Payment
includes interest:
Total Cost:
60 Month
$62/mo
$3,720
48 Month
$70/mo
$3,334
36 Month
$87/mo
$3,116
24 Month
$122/mo
$2,907
On qualifying purchases made with your CareCredit credit card account at enrolled provider locations: Purchases of $1,000 or more are eligible for a 24, 36 or 48 months offer with a 14.90% APR Purchases of $2,500 or more are eligible for a 60 months offer with a 16.90% APR

** Reduced APR and Fixed Monthly Payments Required Until Paid in Full

On qualifying purchases made with your CareCredit credit card account at enrolled provider locations:

  • Purchases of $1,000 or more are eligible for a 24, 36 or 48 months offer with a 14.90% APR
  • Purchases of $2,500 or more are eligible for a 60 months offer with a 16.90% APR

Interest will be charged on promotional purchases from the purchase date at a reduced 14.90% APR on purchases with 24, 36, 48 months promotional financing and a 16.90% APR on purchases with 60 months promotional financing. Fixed monthly payments are required until promotion is paid in full and will be calculated as follows: on 24-month promotions – 4.8439% of initial promotional purchase amount; on 36-month promotions – 3.4616% of initial promotional purchase amount; on 48-month promotions – 2.7780% of initial promotional purchase amount or on 60 month promotion - 2.4799% of initial promotional purchase amount. The fixed monthly payment will be rounded up to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases except the fixed monthly payment will apply until the promotion is paid in full. For new accounts, the regular Purchase APR (interest rate) is 26.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreements for their applicable terms. Subject to credit approval

Fixed Monthly Payments Shown Below

Monthly payments shown below should allow you to pay in full the corresponding Amount Financed within the Promotional Period if this amount is and will be the only balance on your account during the promotional period and you make your monthly payment by the due date each month. If you have any additional balance on your account at any time during the promo period, the monthly required payments applicable to those balances will be added to the fixed payment required and such balance may impact how payments are applied to your promotional purchase.

Not all providers offer all promotional financing options so please check with your healthcare providers on which financing options they offer. Promotional financing options are not available at all retail locations that accept CareCredit and standard account terms will apply to such purchases.

Promotional Financing Details and Terms
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* No Interest if Paid in Full within 6, 12, 18 or 24 Month Promotional Period

On qualifying purchases of $200 or more made with your CareCredit credit card account at enrolled provider locations. Interest will be charged to your account (at the rate of 26.99% for new accounts) 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. Purchases eligible for a 24-Month promotion: Fixed Monthly Payments required until paid in full and based on repayment over 24 months. Required monthly payments may or may not pay off purchase before end of promotional period.

* No interest will be charged on the promotional purchase if you pay the promotional purchase amount in full within the 6, 12, 18 or 24-month promotional period. If you do not, interest will be charged on the promotional purchase from the purchase date. If your purchase qualifies for a 24-month promotional offer, fixed monthly payments are required equal to 4.1667% of initial promotional purchase amount until promotion is paid in full. The fixed monthly payment will be rounded up to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. For all other promotional offers, the regular minimum monthly payment terms of the account will apply. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional balance, except the fixed monthly payment will apply until the promotion is paid in full. For new accounts, Purchase APR (interest rate) is 26.99%. Minimum Interest Charge is $2. Existing cardholders should see their credit card agreements for their applicable terms. Subject to credit approval.

** Reduced APR and Fixed Monthly Payments Required Until Paid in Full

On qualifying purchases made with your CareCredit credit card account at enrolled provider locations:

  • Purchases of $1,000 or more are eligible for a 24, 36 or 48 months offer with a 14.90% APR
  • Purchases of $2,500 or more are eligible for a 60 months offer with a 16.90% APR

Interest will be charged on promotional purchases from the purchase date at a reduced 14.90% APR on purchases with 24, 36, 48 months promotional financing and a 16.90% APR on purchases with 60 months promotional financing. Fixed monthly payments are required until promotion is paid in full and will be calculated as follows: on 24-month promotions – 4.8439% of initial promotional purchase amount; on 36-month promotions – 3.4616% of initial promotional purchase amount; on 48-month promotions – 2.7780% of initial promotional purchase amount or on 60 month promotion - 2.4799% of initial promotional purchase amount. The fixed monthly payment will be rounded up to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases except the fixed monthly payment will apply until the promotion is paid in full. For new accounts, the regular Purchase APR (interest rate) is 26.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreements for their applicable terms. Subject to credit approval