SearchWe’re here to help you grow your practice.
From getting started to getting paid with the CareCredit health and wellness credit card, offering flexible patient or client financing is simple, fast and friendly – and we’re here to help.
A trusted partner
Part of Synchrony, a Fortune 200 company with 90+ years of financial experience.
One application. Two ways to pay.
A single, fast application can unlock payment options: credit card, installment loan, or a choice between the two.
Credit Card
Reusable credit for ongoing care
- Use again and again for health, wellness, beauty and animal care costs
- Shorter and longer-term special financing starting at 6 months for purchases of $200+
- Accepted at 290K+ locations and counting, nationwide
Pay Later Loan
One-time-use loan for bigger or more defined care plans
- Predictable monthly payments with a clear payoff timeline
- Pay over time available for purchases of $500+
- No surprises with fixed APR and terms, and closes once paid in full
Promotional Financing Options
Let’s get down to the details.
No Interest if Paid in Full
On qualifying purchases of
$200 or more
within 6 months
within 12 months
within 18 months
within 24 months
No interest is charged if the promo balance is paid in full within the promo period. Minimum monthly payments required.
Reduced APR with Fixed Monthly Payments
On qualifying purchases of
$1000 or more
17.90% APR for 24 months
18.90% APR for 36 months
19.90% APR for 48 months
On qualifying purchases of
$2500 or more
20.90% APR for 60 months
Contact Provider Support
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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 290,000 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.
* See Rates and Fees for details.
** Subject to the representations and warranties in the Agreement with Synchrony.
*** 45% of CareCredit cardholders who made a purchase during 2024 came back to the same provider or retailer for additional purchases during the same year.
**** CareCredit Path to Care Findings, 2022.
1 Subject to credit approval. Minimum monthly payments required. See carecredit.com for details.
2 Subject to credit approval. Synchrony Pay Monthly installment loans are provided by Synchrony Bank.
3 Dental starts at $9,500.