A simple patient financing solution for healthcare and wellness

The CareCredit health and wellness credit card helps empower your patients or clients to pay for the care they want and need, while supporting your business goals.
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Dental Image
Dental
From restorative, preventive, and specialized care including orthodontics, endodontics, crowns, veneers, implants, even clear aligners, CareCredit's financing options are designed with dental practices in mind to provide your patients the flexibility to receive dental care now, and pay over time.
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Keep more patients smiling with flexible financing.

CareCredit helps empower your patients to focus on dental needs, while keeping their financial health in mind. When you offer CareCredit, you're helping your patients fit dental care into their budgets with a flexible payment option. In turn, this can help them accept and follow through on the treatment that they want and need.  
 
At CareCredit we also care about your practice and network. That's why we offer training, scripting, POS materials, and more, to help ensure that payment conversations are as easy as possible and as friendly as the smiles you serve.  And when you join the CareCredit dental community, there are specialists across our network - from general dentists to endodontists and orthodontists - who can provide helpful industry insights and assist your patients in getting the care they want and need today.
  • General dentistry
  • Cosmetic Dentistry
  • Endodontics
  • Periodontics
  • Prosthodontics
  • Orthodontics
76 %
Dental providers

Who accept CareCredit agree that CareCredit helps collect payments faster than without it1

$2,145
Average first transaction

For a patient opening a CareCredit credit card at a dental practice

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May 2025

How to Create a Seamless Dental Patient Payment Experience

How do you help reduce patient stress and create a better in-office experience? Take a look at your dental payment process. Learn strategies for removing obstacles, boosting convenience and offering support.

6 min read

March 2025

Happier Patients. Fuller Schedule. Easier Days.

Discover how one simple question may help more patients move forward with recommended treatment.

1:30 min video

March 2025

Your Team’s Essential Financing Checklist: Ways CareCredit adds value for your patients and practice

When patients prefer to pay over time, CareCredit is the financing solution that millions of people have used and 95% of cardholders surveyed rate as a good to excellent value.*

2 min read
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Cosmetic Surgery Image
Cosmetic
From breast augmentation, liposuction, and rhinoplasty to a wide range of non-invasive procedures and specialty products, CareCredit's financing options empower cosmetic practices to give your patients financial peace of mind to get the care they want or need to look and feel their best.
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Helping patients and practices look better than ever.

With convenient financing options that spread cosmetic and healthcare payments over time, CareCredit gives providers a powerful and proven tool to help patients move ahead with care they otherwise may have postponed-including cosmetic and reconstructive surgery, non-invasive procedures, skincare product purchases, prescriptions, and much more.  
 
At CareCredit, our priority is helping you grow and prosper. With millions of satisfied cardholders and a network of 20,000+ cosmetic providers, CareCredit helps practices advance by helping patients look and feel better than ever.
53 %
Cosmetic providers

Agree CareCredit helps attract new clients when used in marketing and communications1

$5,055
Average first transaction

For a patient opening a CareCredit credit card in a cosmetic surgery practice

Resources for your business

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July 2024

How Cost Impacts the Patient and Provider Journey

How does cost factor into the decisions patients make about the care they receive? Learn research findings that explain the impact of cost throughout the patient journey, as well as the role providers are playing in cost discussions.

10 min read

April 2025

Cost Estimator Tool - Help Break Down The Cost Of Care

Utilize the cost estimator tools to help patients estimate monthly costs and fit care into their budget.

1 min read

April 2024

Your financing toolkit to help you achieve peak financing program performance

CareCredit offers simple tools to help you reach the top.

2 min read
View Resources
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ophthalmology image
Ophthalmology
From LASIK, PRK refractive procedures, laser cataract surgery, and premium IOLS to retinal conditions, to dry eye treatments, the helpful financing options from CareCredit give ophthalmologists a powerful tool to help patients accept a wide range of vision care when and where it’s recommended or required.
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Focused on clear advantages for patients. And visionary growth for practices.

At CareCredit, we help ophthalmologists provide a wide range of important eyecare procedures and treatments by helping patients with a way to pay for it. With CareCredit, you'll empower your patients with a convenient payment option and the opportunity to spread payments over time. Most importantly you help give your patients peace of mind to move ahead with the recommended or required care-care they might otherwise delay- and the vision that they need for their lifestyle.
 
The proven, win-win solutions that CareCredit provide not only help patients mitigate barriers to care when cost is an issue, but also support your business goals. You can benefit from our growth-oriented business tools and take advantage of working with such an experienced and proven partner. At CareCredit, we're laser-focused on helping patients get care and ophthalmologists see growth.
91 %
Ophthalmology providers

Agree that CareCredit provides value to their practice1

$3,303
Average first transaction

For a patient opening a CareCredit credit card in an ophthalmology practice

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April 2025

Financing for Specialty Vision Care: Helping Patients Move Forward with Treatment

Discover how financing can make it easier for patients to pay for specialty vision procedures and products that are not covered — or not fully covered — by insurance.

5 min read

May 2025

Financial Page Toolkit: Ophthalmology

Show patients you accept CareCredit before they come in with our web copy and banners. Plus, reference our design template to help fine-tune your financial webpage.

5 min read

May 2025

Email Copy & Banners: Ophthalmology

Customize and send pre-written email copy to attract new patients and retarget those that didn’t schedule. Include the banners so they know you accept a clear way to pay.

5 min read
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Optometry image
Optometry
From dispensing eyewear and contact lenses to dry eye treatments, vision therapy programs, myopia management, and sports vision training, CareCredit's financing options empower your optometry practice to help patients access eyecare when and where it’s needed, then pay over time.
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Making visionary business advantages clear to see.

You and your vision care business have so much to offer patients. With CareCredit you’ll also be offering your patients a solution to help them pay for the products and services they want and need.
 
When patients know about the helpful financing options from CareCredit, they can decide to move forward with treatments, therapies, programs, and eyewear products quickly and confidently. This helps optometrists, opticians, and optical dispensaries deliver more care to more patients, while also benefiting from working with a proven partner clearly focused on helping visionary businesses see results. Plus, with eyecare specialists across the CareCredit network, you have the opportunity to expand your referral network all while ensuring your patients receive the care they want and need.
50 %
Optometric providers

Agree CareCredit helps attract new patients, when used in marketing and communications1

$721
Average first transaction

For a patient opening a CareCredit credit card in an optometry practice

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July 2024

How Cost Impacts the Patient and Provider Journey

How does cost factor into the decisions patients make about the care they receive? Learn research findings that explain the impact of cost throughout the patient journey, as well as the role providers are playing in cost discussions.

10 min read

April 2025

Cost Estimator Tool - Help Break Down The Cost Of Care

Utilize the cost estimator tools to help patients estimate monthly costs and fit care into their budget.

1 min read

November 2024

Costs Are Critical in the Patient Journey: Leverage CareCredit to Help Patients

Providers should remember that costs are top-of-mind for health and wellness consumers throughout their care journey. Learn how educating patients and clients about financing through CareCredit can help them address cost concerns.

01:37 min video
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Hearing
From routine hearing tests to surgical procedures, cochlear implants, hearing aids, and other devices, CareCredit's financing options empower audiology and hearing practices to help patients with the financial peace of mind and care that can improve their hearing and their confidence.
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Making quality hearing care a sound investment.

Having CareCredit as a way to spread payments over time gives patients the budgetary confidence to accept the treatments and devices you recommend as best suited to their hearing needs. Plus, our flexible options include deferred interest financing such as "no interest if paid in full within 6, 12, 18 or 24 months," as well as longer-term financing options with low interest. CareCredit can be used for routine and unexpected needs, and even bundling and de-bundling services at hearing specialists.
 
We also help make CareCredit conversations easy for your staff by providing special training, scripted suggestions, and conversational tips that retain the professionalism of your office. And because our priority is helping you grow and prosper, at CareCredit, we’re committed to helping you turn "tested-NOT-treated" into "tested AND treated".
78 %
Enrolled hearing providers

Are very satisfied with CareCredit billing/reconciliation 1

$3,291
Average first transaction

For a patient opening a CareCredit credit card in a hearing practice

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February 2025

Tips and Scripts for Financial Conversations

Learn when and how to most effectively talk to patients about the cost of care and payment options that can help them access the care they want and need.

4 min read

July 2024

How Cost Impacts the Patient and Provider Journey

How does cost factor into the decisions patients make about the care they receive? Learn research findings that explain the impact of cost throughout the patient journey, as well as the role providers are playing in cost discussions.

10 min read

April 2025

Cost Estimator Tool - Help Break Down The Cost Of Care

Utilize the cost estimator tools to help patients estimate monthly costs and fit care into their budget.

1 min read
View Resources
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behavioral health image
Behavioral Health
Treating the whole patient includes their mental health and well-being. Across the country, Behavioral Health is top of mind for so many. CareCredit is now available to give your patients and clients a way to pay for the support they need to begin and complete their behavioral health journey.
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Together, we can help meet the needs for Behavioral Health services.

CareCredit can help provide your patients and clients with the financial confidence of knowing they have a way to pay for the behavioral healthcare services they and their families need. They can also use the same CareCredit card again and again at your practice, to ensure they can engage with the recommended care you provide, and they need.

7 M
Report unmet mental health support need

7 million Americans have reported an unmet need for mental health support due to costs4

1 in 2
Would postpone a procedure

55% of cardholders postponed or reduced a treatment's scope if CareCredit was not available2

Resources for your business

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April 2025

Cost Estimator Tool - Help Break Down The Cost Of Care

Utilize the cost estimator tools to help patients estimate monthly costs and fit care into their budget.

1 min read

April 2024

Your financing toolkit to help you achieve peak financing program performance

CareCredit offers simple tools to help you reach the top.

2 min read
View Resources
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Chiropractic Image
Chiropractic
From spinal and joint adjustments to pain management, acupuncture, massage therapy and other chiropractic services, when your practice offers CareCredit's financing options to patients, you're giving them financial peace of mind to help them move forward with your recommended care.
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Bringing chiropractic patients into alignment with healthy payment options.

When patients learn how CareCredit payment options spread the costs of chiropractic care over time, they have the budgetary confidence to proceed with your recommended care, including standard chiropractic needs, pain management modalities, nutritional support, and other products and services. What's more, we have options with 0 interest if paid in full within 6, 12, 18 or 24 months and reduced APR financing options with fixed monthly payment options for longer terms.  You can customize your financing options and patients can decide which one works best for them – another way you're helping patients feel better every visit.
 
At CareCredit, we're committed to your success. That's why we pay you within two business days. Plus, when your practice joins the CareCredit network, you'll be a part of our network of 12,000+ chiropractic providers-many of whom have experienced success and stability as a CareCredit partner.
12,000 +
Chiropractic locations

Reach new patients in the CareCredit network

6.6X
Higher average charge

CareCredit cardholders have a 6.6X higher average charge than spending on a typical general-purpose credit card3

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July 2024

How Cost Impacts the Patient and Provider Journey

How does cost factor into the decisions patients make about the care they receive? Learn research findings that explain the impact of cost throughout the patient journey, as well as the role providers are playing in cost discussions.

10 min read

April 2025

Cost Estimator Tool - Help Break Down The Cost Of Care

Utilize the cost estimator tools to help patients estimate monthly costs and fit care into their budget.

1 min read

April 2024

Your financing toolkit to help you achieve peak financing program performance

CareCredit offers simple tools to help you reach the top.

2 min read
View Resources
Back to specialtiesBack to specialties
Day Spa Image
Day Spa & Salon
From regular spa and salon treatments to a day of relaxation and rejuvenation, CareCredit's flexible financing options empower spa and salon businesses to help your clients pay for and upgrade their spa and salon experience to move forward with the services and products they want.
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CareCredit helps your clients indulge - and feel good about it.

Accepting the CareCredit credit card is a simple way to help your spa and salon clients get the care they want and need, helping to increase your revenue and boost your business. That's because the financial peace of mind offered with the CareCredit special financing options frees cardholders to make impromptu decisions-and make appointments-to treat themselves to a wide variety of your sumptuous spa and salon services.
 
And since CareCredit can be used again and again, you can keep clients relaxed and contented time after time.
81 %
Cosmetic providers

Say they enroll so they can offer an alternate payment option to patients

53 %
Cosmetic Providers

Agree CareCredit helps attract new clients when used in marketing and communications

Resources for your business

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July 2024

How Cost Impacts the Patient and Provider Journey

How does cost factor into the decisions patients make about the care they receive? Learn research findings that explain the impact of cost throughout the patient journey, as well as the role providers are playing in cost discussions.

10 min read

April 2025

Cost Estimator Tool - Help Break Down The Cost Of Care

Utilize the cost estimator tools to help patients estimate monthly costs and fit care into their budget.

1 min read

April 2024

Your financing toolkit to help you achieve peak financing program performance

CareCredit offers simple tools to help you reach the top.

2 min read
View Resources
Back to specialtiesBack to specialties
Dermatology Image
Dermatology
From dermatologic and aesthetic care, prescriptions, skincare products and more, CareCredit's flexible financing options empower dermatology practices to help get your patients the care they want or need and pay for it in budget-friendly ways.
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Helping you make more beautiful outcomes possible.

The convenient and flexible payment option with special financing provided by CareCredit gives patients the financial peace of mind to move forward with dermatologic care, knowing they can fit out-of-pocket costs into their budgets. This empowers them to accept your complete recommendation, and schedule treatments for a wide range of services, including skincare checkups, acne treatments, FDA-approved skin cancer procedures, medical aesthetic procedures, prescriptions, skin care products, and more.
 
Along with helping patients mitigate cost barriers, we also help your staff minimize the time and stress associated with billing and collections by paying within two business days. With CareCredit, your dermatology practice benefits from a proven solution that advances practice goals, delivers relevant and actionable business tools, and provides the power and prestige of an experienced, proven partner.
81 %
Dermatology practices

Agree that they enrolled with CareCredit because it helps patients afford care1

$1,843
Average first transaction

For a patient opening a CareCredit credit card in a dermatology practice

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July 2024

How Cost Impacts the Patient and Provider Journey

How does cost factor into the decisions patients make about the care they receive? Learn research findings that explain the impact of cost throughout the patient journey, as well as the role providers are playing in cost discussions.

10 min read

April 2025

Cost Estimator Tool - Help Break Down The Cost Of Care

Utilize the cost estimator tools to help patients estimate monthly costs and fit care into their budget.

1 min read

April 2024

Your financing toolkit to help you achieve peak financing program performance

CareCredit offers simple tools to help you reach the top.

2 min read
View Resources
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Home Medical Equipment
From motorized scooters and power wheelchairs to remote-controlled lift chairs and recliners, offering CareCredit's flexible financing options to your patients helps give them an affordability solution—and your business a financial advantage - that help both go further than ever.
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Taking patients and businesses new places.

Helping patients maintain an independent lifestyle is important to their physical and mental well-being. But purchasing home medical equipment can often be a challenge. Fortunately, the budget-friendly financing options of CareCredit provide convenient and flexible ways to help patients afford the deductibles, copays, and coinsurance of home medical equipment and supplies-so they can get the most out of your recommended equipment.
 
To make financial conversations more comfortable for you and your staff, at CareCredit we provide tips, tools and scripts that help patients understand how CareCredit lets them spread payments over time with flexible financing options. Which helps give them the budgetary peace of mind to purchase the equipment you recommend as best for their needs. And put your treatment plan on the move.
89 %
CareCredit cardholders

Say they are likely or very likely to use the card again1

$2,053
Average first transaction

For a patient opening a CareCredit credit card in a Durable Medical Equipment location

Resources for your business

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July 2024

How Cost Impacts the Patient and Provider Journey

How does cost factor into the decisions patients make about the care they receive? Learn research findings that explain the impact of cost throughout the patient journey, as well as the role providers are playing in cost discussions.

10 min read

April 2025

Cost Estimator Tool - Help Break Down The Cost Of Care

Utilize the cost estimator tools to help patients estimate monthly costs and fit care into their budget.

1 min read

April 2024

Your financing toolkit to help you achieve peak financing program performance

CareCredit offers simple tools to help you reach the top.

2 min read
View Resources
Back to specialtiesBack to specialties
medical spa image
Med Spa
Whether your Medical Spa practice provides injectables, fillers, chemical peels, laser hair removal, or a wide variety of other procedures, offering CareCredit's convenient financing options helps give financial peace of mind to your patients who want to look and feel their best.
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Making the Medical Spa financing decision an easy one.

The convenient and flexible financing options of CareCredit help give your patients the budgetary confidence to accept your full treatment plan - instead of just a part of it. That's because when patients see how easy it is to spread payments over time with the CareCredit healthcare credit card, they have the confidence to move forward with your full recommended plan and reach their aesthetic goals.
 
Count on CareCredit to help make your Medical Spa's business success look as good as the magnificent services you provide to patients.
71 %
Cosmetic providers

Said they enrolled so they can offer patients a way to pay that helps them afford care1

$2,020
Average first transaction

For a patient opening a CareCredit credit card in a medical aesthetic practice

Resources for your business

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July 2024

How Cost Impacts the Patient and Provider Journey

How does cost factor into the decisions patients make about the care they receive? Learn research findings that explain the impact of cost throughout the patient journey, as well as the role providers are playing in cost discussions.

10 min read

April 2025

Cost Estimator Tool - Help Break Down The Cost Of Care

Utilize the cost estimator tools to help patients estimate monthly costs and fit care into their budget.

1 min read

April 2024

Your financing toolkit to help you achieve peak financing program performance

CareCredit offers simple tools to help you reach the top.

2 min read
View Resources
Back to specialtiesBack to specialties
medical specialties image
Medical & Specialties
From OB-GYN, allergy, and immunology practices to anesthesiology, ambulatory surgery centers and more, you can count on CareCredit as a financial solutions partner that advances your practice and empowers your patients to spread payments for out-of-pocket expenses over time.
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Payment peace of mind for Medical and other Specialties.

When you offer CareCredit to patients, you make it easier to help them get the care they want and need. That’s because our flexible financing options provide patients with a proven way to handle the expenses of treatments or procedures not covered by insurance, including high deductibles, co-pays, and coinsurance. All while your practice is paid in full within two days of treatment or services.
 
Partnering with CareCredit can help advance your financial and business success by helping you treat more patients.
  • Allergy & Immunology
  • Anesthesiology
  • Ambulatory Surgery Center (ASC)
  • Cord Blood Storage
  • Colorectal (Proctology)
  • Endocrinology 
  • Ear, Nose & Throat (ENT)
  • Gastroenterology
  • Imaging & Radiology
  • Medical Equipment (DME)
  • Medical Transport
  • Nephrology
  • Neurology
  • Orthopedics
  • Orthotics & Prosthetics 
  • Phlebology
  • Physiatry
  • Physical Therapy
  • Podiatry
  • Rheumatology
  • Sleep Medicine
  • Urology
  • Vascular Surgery

Having a CareCredit card gives patients the financial confidence of knowing they can fit care for themselves and their families into budgets - and do so across a network of 285,000+ providers nationwide. And since our fast and easy prequalification process sends immediate approval responses, patients can use their CareCredit credit card right away when it's approved. What's more, they can utilize the same CareCredit card repeatedly at your practice, to ensure they get the ongoing, recommended care you provide.

90 %
Use CareCredit again

90% of cardholders say they are likely or very likely to use their CareCredit credit card again2

1 in 2
Would postpone procedure

55% of cardholders postponed or decreased their procedure’s scope if CareCredit was not available2

Resources for your business

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April 2025

Cost Estimator Tool - Help Break Down The Cost Of Care

Utilize the cost estimator tools to help patients estimate monthly costs and fit care into their budget.

1 min read

April 2024

Your financing toolkit to help you achieve peak financing program performance

CareCredit offers simple tools to help you reach the top.

2 min read
View Resources
Back to specialtiesBack to specialties
orthopedic image
Orthopedic
From treatment for painful chronic conditions to surgery for acute injuries and more, CareCredit’s convenient financing options are designed with orthopedic practices in mind to provide your patients the flexibility to receive their full treatment now and pay over time.
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Offer your orthopedic patients a simple, flexible financing solution

Billing and collections are consuming additional time and effort as more patients face higher deductibles, co-pays, and out-of-pocket expenses. That's why orthopedic practices, like yours, are adding a payment solution to help patients. CareCredit is a dedicated health and wellness credit card with promotional financing options that give patients a way to help fit the care they want or need into their budget. Whether it’s a planned or unplanned orthopedic expense. With CareCredit, patients can make convenient monthly payments for everything from treatment for painful chronic conditions to surgery for acute injuries.

At CareCredit, we're committed to your success. That's why we pay you within two business days. Plus, when you enroll with CareCredit, you'll be part of our network of 285,000+ locations.

74 %
Providers report

It takes more than one month to collect after a patient encounter5

43 %
Orthopedic Providers

have concerns about the length of time to collect payments6

Resources for your business

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April 2025

Cost Estimator Tool - Help Break Down The Cost Of Care

Utilize the cost estimator tools to help patients estimate monthly costs and fit care into their budget.

1 min read

April 2024

Your financing toolkit to help you achieve peak financing program performance

CareCredit offers simple tools to help you reach the top.

2 min read
View Resources
Back to specialtiesBack to specialties
therapies image
Physical Therapy
For Physical Therapy, Occupational Therapy, Speech Therapy, Sports Performance and Rehabilitation, CareCredit's convenient financing options empower your practice to give patients financial peace of mind while getting the full course of care they want or need.
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Give your patients a simple, flexible financing solution.

CareCredit helps your therapy practice serve more patients with our flexible financing options.
90 %
Use CareCredit again

90% of cardholders say they are likely or very likely to use their CareCredit credit card again2

1 in 2
Would postpone procedure

55% of cardholders postponed or decreased their procedure's scope if CareCredit was not available2

Resources for your business

View All

April 2025

Cost Estimator Tool - Help Break Down The Cost Of Care

Utilize the cost estimator tools to help patients estimate monthly costs and fit care into their budget.

1 min read

April 2024

Your financing toolkit to help you achieve peak financing program performance

CareCredit offers simple tools to help you reach the top.

2 min read
View Resources
Back to specialtiesBack to specialties
womens health image
Women's Health
Empower your patients to get the complete care they want or need, whether it's acute care, reproductive support, or wellness programs. Financing options with the CareCredit credit card can help make health and wellness more accessible and manageable for women.
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Provide the care women want or need while offering a way to manage cost

A CareCredit partnership enables women's health specialists to offer patients flexible financing options to help fit the cost of care into their budget.* It can give patients peace of mind that they have a way to pay and helps increase patient satisfaction.

The application process is fast and easy and provides patients with an instant decision. If approved, they can use their account immediately to pay for care. CareCredit's financing solution helps reduce time spent on billing. Also, practices receive payment within two business days.

1 in 2
Would postpone a procedure

55% of cardholders postponed or reduced a treatment's scope if CareCredit was not available2

$1,343
Average first transaction

For a patient opening a CareCredit credit card in an OB/GYN practice

Resources for your business

View All

April 2025

Cost Estimator Tool - Help Break Down The Cost Of Care

Utilize the cost estimator tools to help patients estimate monthly costs and fit care into their budget.

1 min read

April 2024

Your financing toolkit to help you achieve peak financing program performance

CareCredit offers simple tools to help you reach the top.

2 min read
View Resources

Trusted by leading providers

Dr. Andrew Moffatt
We have a very simple process. Pre-pay upfront, credit card or use CareCredit. We decided to go with the one that was most well-known in the public eye and we just make it part of every single treatment presentation process. It was a huge turning point for me and my practice and for my level of profitability for my practice.
Dr. Brian Harris, Cosmetic Dentist & CEO
Smile Virtual
CareCredit has absolutely helped increase our bottom line. It enables patients to get the equipment and home modifications they need and conveniently pay over time. CareCredit also helps us balance our cash flow. Insurance reimbursement is not predictable and with CareCredit we know we’ll get paid in two business days like clockwork.
Chris Weitzke, Owner
Nexus Medical Equipment

Ready to help more patients and clients get the care they want and need?

Ready to help more patients and clients get the care they want and need?

Get Started

1. CareCredit Provider Satisfaction Findings, 2022. CareCredit is a Synchrony solution.

2. CareCredit Cardholder Engagement Study, 2023. CareCredit is a Synchrony solution.

3. CareCredit 2020 Analytics and The Nilson Report–February 2021. CareCredit is a Synchrony solution.

4. KFF analysis of Substance Abuse and Mental Health Services Administration (SAMHSA)'s restricted online data analysis system (RDAS), National Survey on Drug Use and Health (NSDUH), 2019 and 2020, Substance Abuse and Mental Health Data Archive.

5. InstaMed, Trends in Healthcare Payments Twelfth Annual Report: 2021, published Mar. 2022.

6.CareCredit Healthcare Payments Benchmark, 2022. Specialty areas include allergy, anesthesiology, neurology, occupational therapy, orthopedics, physical therapy, podiatry, gastroenterology, rheumatology & urology. CareCredit is a Synchrony solution.