Apply

Dedicated Financing for Your Patients

AOA has partnered with CareCredit to offer members a new way to help patients pay for out-of-pocket costs, including deductibles, copays, coinsurance, and post-care balances.

With the CareCredit health, wellness and personal CareCredit card, patients can get the care they want and need, without delaying appointments or treatment due to cost.*

CareCredit can help your patients move forward with care - including preventive care, routine screenings, and unexpected procedures - today.*

With CareCredit your patients can:*

  • Quickly apply, get an instant credit decision, and use their card immediately
  • Choose special financing options that let them pay over time in convenient monthly payments
  • Pay deductibles, co-pays and portions not covered by insurance
  • Use their card as a dedicated resource for all their healthcare needs - including for family members and pets

As a provider, your practice gets paid in two business days, with no recourse if the patient fails to pay.**

Ready to accept CareCredit and help your patients move forward with care?

 

Patient Financial Experience Infographic

Patient Financing
for AOA Members

 

Ready to accept CareCredit and help your patients and clients move forward with care?

Already part of the CareCredit network and looking for support?
Call 866-246-6481, or log in to our provider website.

CareCredit gave me my best 30 by helping to provide lifesaving care for my horse, Willey. Being just out of college, it was all that I could do to save up for the important airway surgery that he needed to be ridden. He had a severe reaction to the anesthesia and had to be transferred to a different high tech vet hospital. He was in the "horsey ICU" for 5 days…I am beyond thankful!

Valerie L

When I opened my CareCredit account, it was strictly for peace of mind. Knowing that I had financial help in the event of a medical emergency was all that I needed at the time. However, once I opened my account and started considering all the benefits, I was amazed. From calculating the average cost of procedures to helpful articles on healthcare, I realized CareCredit is more than just a credit card.

Jeffrey L

Before CareCredit, I didn't know how I would be able to see without my glasses or contacts for the first time. I've been truly blessed to be able to see and be an advocate for others that fear LASIK. This was the best decision of my life and I knew that within the first 30 minutes, the first 30 hours, first 30 days, first 30 weeks. I finally felt beautiful... thank you CareCredit.

Le’Lani B

I've been blessed with a big smile but over the last several years I noticed a shift in my bottom teeth. They became crowded and had shifted to the front of my mouth with 1 tooth eventually protruding! Shocked at how they looked, I began searching for a way to get the smile back I had always had. Braces were so costly. With CareCredit, I was able to [get] the dental care I so desperately needed. Without CareCredit I would still be searching for a way to pay for treatment. Thank you!!!

Sandra W

I am beyond thankful for CareCredit. I was in desperate need of having all my wisdom teeth removed… Then I stumbled upon the CareCredit card and all my prayers had been answered. It was a relief knowing I had a way. It is incredible that I can use this card for unexpected health occurrences. I am very thankful for CareCredit; truly blessed.

Holly G

While it was our best, it was our hardest 30 days. We had to put our beloved Pitbull, Kona, down for unforeseen medical conditions. CareCredit was there to help with the vet visits, medication, special food, and the final visit. It was already a hard and painful process for our family; but to have the worry of the cost off our shoulders during the process was an amazing blessing to our family. I am thankful for the lack of financial stress that could have made saying goodbye even harder.

Shannon J

Thanks to CareCredit I literally got my new eyes! I've got the new vision! I'm not sure how many of you guys know what it is like to have bad vision, but I depended on glasses all the time whether you're driving or doing your activity. Now after my new vision thanks to CareCredit, I'm living a different life. I'm amazed how colorful and beautiful this world is. It's not blurry any longer. I've been having the best 30 minutes every day meditating just being outdoors in nature just looking at it!

Sohyun K

I am very thankful for CareCredit, without it I wouldn't have been able to have work done on my teeth. As a person who is always around people including at work, it is essential to try to look my best. I have had to have teeth removed to fix bone loss problem & get implants. Being in the public I was embarrassed to smile. Everyone likes a great smile & I do not have that now. But thanks to CareCredit I am able to get the work done & on a payment plan that works great.

Stacey U

I wouldn't have my best friend today if it weren't for CareCredit. My sweet girl had to have an emergency gastrointestinal surgery after ingesting part of a dog toy. Today, she is happy and healthy and I am so happy knowing that she is going to live a long life. It is wonderful knowing that CareCredit is always here for my family and furry companion. Here's to 30 more dog years!

Taylor S

CareCredit has been there for me and my pet since 2007; until his recent passing. Without their services Charlie, would not have had a long healthy life. They've been there from his first vaccine, health checkups, teeth cleaning and even surgery. In September, he was diagnosed with a bad heart;…I did get an extra 30 days to be with my best friend. I have nothing but sincere gratitude.

Linda L

I feel better knowing I have my CareCredit credit card in my wallet for those unexpected events in life. I take comfort in knowing that should I need it, it’s there for me. It gives me a little breathing room and is my little blessing.

Sue W

Thanks to CareCredit, I will have a beautiful smile for the next 30 plus years. CareCredit provided a line of credit that allowed me to get a necessary dental treatment. Since the treatment, I feel more confident and smile more often. I am so grateful to CareCredit for improving the quality of my life.

Elizabeth G

I got my dog Ascher from a rescue when he was a puppy. He was sick from week one and constantly in and out of the vet for 6 months. It came to a point when he needed to have a surgery to remove a possible cancerous lump and I just didn’t have any more money to help my baby. I got the CareCredit card to pay for the surgery and it has helped me keep Ascher healthy and by my side ever since. He's now over 3 years old and very happy and healthy! He is cancer free and loving life thanks to CareCredit.

Ariel N

I have so many stories to tell about how CareCredit has been there for me…in the past 30 years, but the one that means the most to me is how CareCredit saved my dog's life. Lucy, my dog was attacked by a pit bull and nearly lost her life. The vet saved her and I was able to use my CareCredit for all the bills. Sadly, 3 days ago, 5 years since the accident I had to put my best friend to sleep and again they were there for me. And they always remember my birthday!

Diana D

CareCredit has helped me in an extreme time of need. I had an area of concern on my face that tested positive for melanoma. After going through my local dermatologist office for the necessary Moh's procedure, I was referred to a plastic surgeon for further reconstructive surgery. CareCredit offered me an exceptional finance plan to schedule the surgery. Because of this, I was able to get in quickly and remove all margins of concern from my face! So, thankful!

Katherin W

Due to measles as a child, I've lived with only 30% of my hearing. Now, thanks to CareCredit, I have a set of the most incredible hearing aids! Calls to my cell phone come directly into my ears. I can watch a television show into my hearing aids without disrupting the household! I can hear my little dog's Ewok squeaks for the first time! Thank you so much for every new sound.

Katherine T

When our beloved Golden Retriever became ill, money wasn't something I wanted to get in the way of taking care of him. I used to work in the veterinary industry, I knew how expensive it could become to get him the proper care he needed. I have always had CareCredit just in case. We had him for 9 wonderful years, and although we lost him, I know I did everything I could for him because of CareCredit. That peace of mind can never be taken away from me. Thank you

Angela P

CareCredit positively impacted my life by making it possible for me to have dental work that I very much needed. My wisdom teeth made me so uncomfortable, it affected me in my everyday life. They had such great options to make it easy to pay back such a large amount. I would have never been able to [get] the surgery I needed without this company and I am forever grateful.

Kristina E

My CareCredit has given me peace of mind that my animals are taken care of and getting all necessary up to date shots without paying up front out of pocket. It has allowed me to stress less and enjoy life with my fur babies!! Thank you CareCredit!!

Shelby C

Five years ago, my beloved Corgi, Little Man, ended up becoming completely unable to walk due to pulled ACL's in both back legs. My vet's office quoted $4,000 for the surgery… The vet tech suggested I look into CareCredit. I applied and got approved. My beautiful dog is now fully able to walk and I have been able to pay for his care and my other pets care and a cataract surgery for myself by using CareCredit!

Debra R

CareCredit has given me the opportunity to cuddle and care for my furry kid - my beautiful cat, Sasha. She needed emergency surgery to remove 16 kidney stones that almost cost her life. Animal lovers can appreciate that CareCredit is also accepted at your vet's office to protect our furry members of the family. I am forever grateful to share another 30 minutes, 30 days or how many ever years with my cat who loves me unconditionally for saving her life.

Carol W

When I adopted my 5 year old Wheaten Terrier, Andy, I was expecting to fall in love with him. Of course, I did, he's the perfect companion, who everyone falls in love with right away. What I was not expecting, was all of his health issues that would follow. CareCredit has given me the peace of mind, that I will be able to provide everything that my sweet doggie needs. Including his recent (expensive) surgery. Words can't explain what this peace of mind has brought to my life.

Lauren Gillespie

When I adopted my 5 year old Wheaten Terrier, Andy, I was expecting to fall in love with him. Of course, I did, he's the perfect companion, who everyone falls in love with right away. What I was not expecting, was all of his health issues that would follow. CareCredit has given me the peace of mind, that I will be able to provide everything that my sweet doggie needs. Including his recent (expensive) surgery. Words can't explain what this peace of mind has brought to my life.

Lauren G

The most important way CareCredit helped our family was 3 three years ago, [when] we adopted a dog. We instantly fell in love with her and [she] is the best dog/companion we have ever had. A few months after having her, she got a mast cell tumor on her leg. We had to have surgery… But she had to have chemo and radiation done. My husband drove a lot of miles for her treatment every week. CareCredit allowed us to save her life. We are forever grateful.

Denise L

2 years ago, [we had a] major vet emergency. Without CareCredit, I do not know or can’t even imagine what the outcome would have been! One of our beautiful dogs got extremely sick very quickly. A trip to our emergency vet, confirmed that Lily had parvo. Devastation!!! Thank goodness we had CareCredit to help us through this very expensive and upsetting time. A week later, Lily was home and on the mend. It was touch and go. Next came Wally, he had parvo too - thank goodness for CareCredit… our lifesavers!!

Jane E

While CareCredit has come in handy many times over the year, there's one time that really sticks out for me. I came home Christmas Eve night to find my cat in distress. I'd seen it before and knew exactly what his crying and squatting meant. I had to rush him to an emergency vet, not cheap to begin with but it was Christmas Eve too. Thanks to CareCredit he got the help that he needed to unblock his urinary tract and I got to keep my baby. I almost, lost him that night. CareCredit helped us.

Krystal C

What hasn’t CareCredit done for me? From smiles to dogs, CareCredit has always had my back. In 2011, two months before I was about to leave the county to teach English in Tanzania, I knocked my two front teeth out. With all my money already invested in my trip I was able to count on CareCredit to give me back my smile. Then, in 2014 my 14-year-old dog had a series of health issues. If it wasn't for CareCredit, I would have had to say goodbye. But, we shared two more prosperous years together. Thank you!

Jennifer V

CareCredit has allowed me to achieve what I call my best 30 moments of confidence. Since high school, I had been incredibly self-conscious about my nose, and had made it a goal to find a way to fix this self-esteem issue. Throughout college and in my first job after graduating, I had saved up enough money to finally schedule surgery- CareCredit helped me get to my surgery date sooner and start living life with confidence! Now I am no longer ashamed to make the first move when meeting new people.

Hannah O

I love having CareCredit on my side. For many years, I've dealt with crooked teeth and always felt insecure when talking to people. I thought it would impossible for me to get braces… With CareCredit, they allowed me to afford braces with amazing payment… Now, I can talk and smile confidently. Thank you CareCredit for making the impossible, possible!!!

Lawrence F

I believe CareCredit has given me 30 more months of playing baseball, my passion. I still play competitive baseball and I am the oldest player on our team, it is harder each year to compete, this last season I was injured and needed an operation... If I miss the upcoming season I am replaced. CareCredit came through for me, I was able to get operated on in Oct, and will be ready to play in Apr. We play 6 months a year, I have 5 years left in me, hence 30 more months.

Gary F

I am a nurse and work with the public on a daily basis. My teeth were breaking… It was very embarrassing. I tried to hide my mouth all the time. With the help of CareCredit, I was able to get my smile back. I feel more confident and can focus all of my attention on my patients instead of worrying about what they may think about their nurse having bad and missing teeth. Thanks to CareCredit, my next 30 will be "My Best 30".

Elizabeth R

Ever since I was in elementary school I had always been extremely self-conscious about my nose. I would notice it the most in pictures or looking at my profile angle. It was the one thing I wished I could physically change about myself. Unfortunately, not all of us have that kind of liquid cash to splurge on plastic surgery, so I just thought I would have to wait [until] after college, but then I discovered CareCredit! I confidently say that getting rhinoplasty completely improved the quality of my life.

Nava S

Living in Florida you always need to be beach ready. Countless times, I would find myself declining invites from my friends to go to the pool/beach and wearing long pants in the 100 degree weather, due to ingrown hairs all over. Shaving and waxing were not options, these not-so- permanent tasks just made me more self-conscious about my legs. With CareCredit I was able to get the laser treatment I always wanted. Now I can be more confident in my legs and body!

Megan C

My best 30 was my 30th birthday. After finding glasses gave me pressure headaches, I switched to contacts. I wore those for a little over 2 years before they suddenly started causing allergic reaction type symptoms. I went through a few different contact cleaners, contact brands and types but the reaction continued. I decided I was finally going to go ahead with something I've wanted to do for a long time... get LASIK done. Thanks to CareCredit I was able to go through with it!

Andrea S

Tears. I immediately burst into tears, and the doctor said, "Now THAT is the reaction we were looking for." The tears and pure elation came after my LASIK surgery, made possible by CareCredit. I had worn glasses since 3rd grade, and couldn't function without contacts or glasses. LASIK and CareCredit changed all of that, giving me "my best 30" often throughout the day. Not messing with contacts and glasses gives me more time for family, friends, work and fun! Thank you, thank you CareCredit!

Dawn O

During an annual exam in September, our vet felt a lump on our dog Charlie's jaw that turned out to be an aggressive form of cancer. We were devastated by the news, but determined to do everything we could for him… Thanks to CareCredit, we were able to afford the surgery for Charlie. Despite the fact that Charlie passed away the following May, we are so thankful for the extra months we were able to spend with our beloved dog.

Kasey M

CareCredit positively impacted my life by making it possible for me to have dental work that I very much needed. My wisdom teeth made me so uncomfortable it affected my everyday life. They had such great options to make it easy to pay back such a large amount. …

Kristina E

Daisy our 11-year-old Doberman is the love of our lives. Just before Christmas, Daisy wandered into the room. I saw something was wrong. The vet said she was bleeding internally. At the animal hospital, they said she had to have her spleen removed, at a cost of $8,000. CareCredit enabled us to pay overtime and save our love. She is acting like a puppy again and giving us so much happiness and joy. Thank you so much for being there when we needed you.

Elena S

My husky "Ice" needed a procedure to correct crooked lower fangs. I was faced with a $2,000 procedure and CareCredit thankfully approved us. Since his procedure, Ice has (5 years old) a revived spirit and his happiness is obvious. I would have had to lay him to rest if I hadn't learned of this credit source. I can’t tell you how truly grateful we are! I am happy to say he is accompanying his 3 brothers and sisters on our dog-sledding adventures! Thank you so much CareCredit!

Scott D

The first 30 minutes with Maggie after her emergency surgery to repair a puncture in her small intestine. Not having to decide the fate of our dear friend based on financial issues. That is what CareCredit provided to us that day. As you can see from the picture Maggie appreciated it too!

Larry G

At a time when I had given up hope that I could receive any help, CareCredit was able to provide me with a line of credit which enables me to get a new pair of eye glasses so badly needed. I greatly appreciate this being made possible for me. I would recommend CareCredit to anyone in need.

Patricia B

I'm not even sure where to begin since CareCredit has been a blessing in so many ways. From being able to receive dental work and contacts to the comfort … in case of an emergency. The best part of having CareCredit is having that extra help with the vet bills for my two dachshund dogs. The thought of not being able to go to the vet and get them their care is overwhelming. To know that CareCredit is there to help with the health of my dogs is highly appreciated.

Amber M

A smile is one of the first things you notice about someone. Now imagine the dilemma I faced when presented with a high-cost dental procedure or a gap in my smile. Thankfully my dentist told me about CareCredit. It made what would have been a tough choice into and easy one. I got the treatment I needed and a beautiful smile to go with it, which I proudly displayed on a recent trip to Japan! Thanks for the help CareCredit, my smile and I appreciate it.

Kean A

CareCredit has helped us [with] orthodontics … while raising our kids, and now we are using it to help us take care of our own dental needs for work that isn't 100% covered by our insurance. We appreciated how the website has developed to be more user friendly and our ability to access it on mobile devices. It has given us peace of mind knowing we will have a way to … cover costs when needed.

Dorothy F

I love animals… I have several cats and one dog. Cats like to jump upon things so they naturally hurt their legs at times. I was thrilled to find out that I could use CareCredit for pets and I appreciate the thoughtfulness of CareCredit. … Again, thank you.

Charlotte C

When I retired from the advertising industry at 70, after 40 years, I was able to get my eyes done as my retirement gift to myself with the financing available from CareCredit… It gave me the uplift and stress relief look and feeling that I needed! Thanks, so much CareCredit.

Virginia J

This year, I turn the "Dreaded 30," but I can't complain. I'm fortunate to have two satisfying jobs, good health, and love in my life. Thanks to my CareCredit card, I've been able to support the greatest love of my life: my rabbit, Waldo. I use CareCredit exclusively for his care. He has several recurring health issues and CareCredit has allowed me to take care of him to keep him with me as long as I have. As I enter my 30th year, I can feel joy knowing that he will be there, healthy and hopping alongside me.

Kristina S

CareCredit has saved my life twice now. My cat needed emergency surgery and I did not have $4,000 up front. I [applied] for CareCredit and was [approved]. CareCredit gave my cat a second chance at life... I also needed dental work after maxing out my insurance. Without CareCredit, I would not be able to receive 2 dental procedures that healed my pain and restored my smile. Thank you for your services!

Nicole B

CareCredit has always been there with great service and has given me the ability to get dental work done when it needs to be done, whether I have the funds to pay for it at that point in my life. It has taken the financial pressure away from going to the dentist or doctor and has encouraged me to be much more preventative with my health. CareCredit has been a great assistance in keeping my family and I healthy and happy.

Jeremiah E

What I have enjoyed the most about my CareCredit account is having the ability to have the peace of mind that CareCredit is there. It seems it never fails-it is the middle of the month and 2 weeks before payday and one of your fur babies develops a medical crisis. I no longer have to worry about not being able to take her to the vet for the crisis because of my CareCredit account. Thank You hardly seems enough!

Bonnie D

I've [had] a CareCredit [credit card] since 2012. It has been a true blessing to have established an account for my health needs. Starting in 2014, my doctor recommended hormone replacement therapy to deal with severe menstrual cramping and bleeding. My doctor prescribed Testosterone pellets which were natural and a bio-identical form of hormones. At first, my insurance covered the expense but later stopped paying for them! My doctor thankfully takes CareCredit and I was able to use it to get them!

Sara B

For 2 years, my daughter suffered from episodes of strep throat. When the doctor decided her tonsils needed to removed I was relieved for her illness to end but extremely stressed about how to pay for my part of the surgery, after the insurance paid out. Luckily I was introduced to CareCredit and now my daughter is a healthy and happy college student. We can also afford to get her wisdom teeth removed in the near future. Thank you CareCredit for giving my daughter her health back!

Shanna D

Back in the summer of 2013, my little Chihuahua was diagnosed with a condition that needed to be treated in an emergency room situation. If not, I would lose my best friend. Toto was my companion therapy dog and went everywhere with me. Not treating him wasn't an option. We went to the vet ER… The vet recommended I apply for CareCredit. I was approved and treatment was able to move forward. Without CareCredit, I would have lost him.

Jaclynn T

Having a CareCredit account allowed me and my husband the chance to save our precious four-legged baby girl's life instead of having to tell her good-bye... We had to take her to the emergency room the Tuesday before Thanksgiving and we got to bring her home Thanksgiving evening. I'm attaching a picture of the life you helped save! This was taken the night we got her back home.

Toby M

CareCredit has been awesome for us. First our dog needed ACL surgery. We could have never had it done without CareCredit. You would never know she ever had a problem now! Then I lost most of my hearing in one ear. After that, my teeth started to move, so for the first time in my life, I needed braces! And again, wouldn't have happened without CareCredit! Hopefully that will be our last time to need you for a while, but thank heaven you're there!

Beth V

CareCredit has helped me so much by allowing me to provide the gift of sight to my fiancé'. He was having to go to the Eye Dr. on a regular basis, spending thousands of dollars on glasses and contacts, He wore glasses for 30 years. CareCredit allowed me to give him LASIK eye surgery for our 10-year anniversary. He now has better than perfect vision, and has been able to enjoy many more things in life without the hassle of glasses or contacts, not to mention the money we are saving.

Nick O

CareCredit has given me the opportunity to [have] a better smile, which has given me more confidence. My Best 30 is that I turned 30 years old in April 2016, then welcomed my first child in September. There is nothing that makes me happier than being a mother and having the ability to smile & embrace my new addition. Thank you, CareCredit :)

Michelle W

The day I discovered CareCredit was from an unfortunate event. I had brought my sick pup, Kirklyn to the vet's office because she seemed to have a stomach bug. The doctor took her back to be examined and returned with a concerned look. I was told that day that she needed surgery. Of course, I started to worry… I did some online research and found out my vet office accepted CareCredit! I am very thankful and so is Kikrlyn!

Sara T

When I opened my CareCredit account, it was strictly for peace of mind. Knowing that I had financial help in the event of a medical emergency was all that I needed at the time. However, once I opened my account and started considering all the benefits, I was amazed. From calculating the average cost of procedures to helpful articles on healthcare, I realized CareCredit is more than just a credit card.

Jeffrey L

This is a licensed stock photograph. It is for illustrative purposes only and the person depicted is a model.

*Subject to credit approval. Minimum monthly payments required.

**Subject to the representations and warranties in the CareCredit Agreement with Participating Providers, including but not limited to only charging for services that have been completed or that will completed within 30 days of the initial charge, always obtaining the patient’s signature on in-office applications and the cardholders’ signature on the printed receipt.

close modal