SearchEnabling Care with Flexible Financing.
Whether you’re looking to offer the CareCredit credit card to your patients* or looking for a way to finance your overall health and wellness - CareCredit is here for you. Built for repeat care across a lifetime, the CareCredit credit card is a smart, flexible way to pay for a wide range of health and wellness wants and needs for you, your family, and your pets.
Why CareCredit?
CareCredit is a trusted financing partner that helps people, practices and businesses thrive.
Flexible financing for health and wellness.
We offer special financing that cardholders can use again and again to pay over time for care at enrolled locations nationwide – no need to reapply.
Fast application. Instant credit decision.
Patients or clients can see if they prequalify in real-time with no hard credit check. If approved, they can use their account to pay for care right away.
Upfront payments for practices and businesses.
Providers get paid within two business days. We handle billing and collections, protecting you against payment delays and defaults.**
Transparent merchant fees and pricing.
We offer transparent merchant fees and pricing with clear payment terms for cardholders, plus no annual fee * and no down payment, unless you require it.
CareCredit is a smart payment choice that puts care first.
Benefits For Providers
- Helps improve treatment acceptance, attract new patients and clients and retain existing.
- Upfront payments for practices or businesses. Providers get paid in two business days with no recourse if patients don’t pay**.
- Helps streamline A/R, and reduce administrative billing burden.
- Transparent APRs – Patients credit score does not impact APR.
- No surprises, no hidden fees: merchant fees are fully disclosed.
Benefits for Cardholders
- No hard credit check with prequalification. Patients or clients can see if they prequalify in real-time.
- Easy application and instant credit decision. If approved, patients or clients can use their account to pay for the care they want or need.
- Patients or clients can get care today and pay over time with convenient monthly payments.1
- Promotional financing options starting at 6 months2 for purchases of $200 or more at Provider locations within the CareCredit network – accepted at 290K+ Health and Wellness provider and retail locations.
CareCredit is a Health and Wellness
financing solution you can count on.
Hear from our cardholders who are prioritizing their health & wellness
1 Joshua L.
Questions? We have answers.
CareCredit is a credit card designed to pay for out-of-pocket health and wellness expenses with convenient monthly payments. CareCredit is accepted at over 285,000 locations nationwide for Dentistry, Veterinary, Cosmetic Treatments and Skincare, Vision, Chiropractic, Hearing Care and other specialties. For complete details of healthcare financing terms, please review the CareCredit account agreement within the application.
Your CareCredit credit card can be used at over 290,000 locations nationwide for a variety of health and wellness services including dentistry, veterinary, cosmetic treatments, skin care, chiropractic care, hearing care and more. Once you have CareCredit you can use it again and again for your household’s health and wellness expenses. Please visit our locator for the locations you can use your CareCredit credit card.
The easiest and fastest way to see if you prequalify for CareCredit is to use this link. You will get the prequalification decision within seconds and, if you prequalify, you can apply right away, with confidence. If you are approved, you will either be approved for the CareCredit credit card or the CareCredit Rewards Mastercard. To learn more about the CareCredit Rewards Mastercard click here.
You can also apply over the phone, toll free, at (800) 677-0718. If you choose to call, you can use our automated system 24/7 or you can apply with a live agent between 9:00am-9:00pm Monday-Friday, Eastern Time. Applicants must be at least 21 years of age to apply by phone (must be 18 or older to apply). Applicants by phone must have written copy of the credit card agreement before proceeding, which can be printed from carecredit.com or you can obtain from your provider.
In addition, you can apply at healthcare provider locations that accept CareCredit. At this time, applications via a provider or by phone are only for the CareCredit credit card. If you would like your application to also be considered for the CareCredit Rewards Mastercard please apply at carecredit.com/apply.
No. You can see if you’re likely to be approved with no impact to your credit score. If you receive an offer of credit and accept it, there will be a hard inquiry on your credit report, and it may impact your credit score.
Ready to take the next step?
CareCredit for Providers
Interested in accepting CareCredit at your business?
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1 Subject to credit approval.
2 Subject to credit approval. Minimum monthly payments required. See carecredit.com for details.
*See Rates and Fees for details
**Subject to the representations and warranties in the Agreement with Synchrony.