Terms & Conditions for CareCredit Payment Plans

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. Minimum Monthly Payments required. Required monthly payments may or may not pay off purchase before end of promotional period.

Offer applies only to single-receipt qualifying purchases 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. For new accounts: Purchase APR is 26.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.


14.90% APR and Fixed Monthly Payments Required Until Paid in Full

On qualifying purchases made with your CareCredit credit card account. Fixed Monthly Payment amount based on repayment over 24, 36, 48 or 60 month period. Purchases of $1,000 or more are eligible for a 24, 36 or 48 month offer and purchases of $2,500 or more are eligible for a 60 month offer.

Interest will be charged on promotional purchases from the purchase date at a reduced 14.90% APR, and 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 purchase amount; and on 60 month promotions – 2.3737% 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.  For new accounts: Purchase APR is 26.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.


Under the No Interest plans, each month you are only required to pay the required minimum monthly payment on your account but to avoid interest the promotional purchase must be paid in full by the end of the promotional period. The estimated amounts are suggested amounts to be paid if you choose to make equal monthly payments and take advantage of the promotion. This suggested amount may be more than your minimum monthly payment. Your minimum monthly payment may vary and will depend on various factors affecting your account balance, such as (a) the timing and amount of your payments, (b) the interest rate on your account, and (c) whether any fees or other charges are added to your account. You may always pay more. The more you pay each month, the quicker your balance will be repaid and the lower your total finance charges will be.

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