Why CareCredit Is a Trusted First Choice for Client and Patient Financing

When evaluating third-party financing, it’s easy to get pulled into point-by-point comparisons. But the decision that matters most is which partner can help you deliver a reliable patient experience through clear payment options and predictable monthly payments, support responsible access to care and provide the scale and stability to help you grow year after year.

CareCredit, a trusted solution from Synchrony, is a smart payment choice that is built for a lifetime of care, whether for a one-time procedure or ongoing care. With 12M+ cardholders and acceptance at 290,000 health and wellness provider and retail locations across 50+ specialties, CareCredit is often the financing solution patients already recognize and may already have, reducing friction at checkout and supporting higher treatment acceptance.* In fact, 1 in 10 U.S. households have or have had the card.

For nearly 40 years, CareCredit’s value has been supported by proven scale and longevity: $157B+ financed and 44M+ total accounts opened since inception.

Flexible Payment Options and Transparency, Built for How Patients and Clients Pay Today

Consumers want choice, clarity and confidence when financing care, especially when choosing a payment option with monthly payments. CareCredit helps deliver that with a financing experience built around transparency and responsible access:

• No hard credit check with prequalification
• Easy application. Less than six-second decision!
• Transparent APRs — doesn’t change based on credit score, and the APR a patient/client sees is the APR they get
• Flexible financing — access anytime, anywhere in the network
• Built for repeat use across a lifetime

For providers, that means it’s a solution designed not just to close a single case, but to help patients and clients move forward with treatment plans while helping practices retain and build loyalty.

CareCredit Provider Support That Goes Beyond the Transaction

Choosing a financing partner is about more than approving a single transaction; it’s about the full experience your team and patients rely on every day. That’s why informed providers look beyond headlines and ask a practical question: Who will support my practice before, during and after implementation?

As newer financing options enter the conversation, it’s not unusual to see messages that raise questions about established financing solutions. The best way to cut through that noise is to focus on what’s measurable and proven: service, stability and support that helps your practice run smoothly and grow.

With CareCredit, you’re never alone — providers are supported by a financing partner committed to their success:

• Dedicated support,  including certified training, tools, marketing resources, unique custom links and QR codes and more you can share with patients or clients
• Knowledgeable reps, fast resolution
• Support on your terms 24/7: phone, online and mobile app
• Integrated into your everyday: CareCredit is integrated into many leading practice management software platforms
• Transparent and consistent merchant fee structure

Why CareCredit Is the Right Financing Fit for Your Practice

Practice growth may be easier when you have a patient financing partner to trust with your patients or clients and a growth plan customized to your practice or business’s opportunities. When you compare the strengths and value of the CareCredit health and wellness credit card with other finance providers, you can see why it’s a better choice.

There’s a reason CareCredit is rated a good-to-excellent value by 95% of surveyed cardholders.¹

Responsible lending. We would like to help as many patients and clients get the care they want and need, and approvals are based on established credit and underwriting criteria.

Ease of use. We have a digital application process that enables patients and clients to privately see if they prequalify for the CareCredit credit card with no impact to their credit score. We are also integrated into many practice information management software and CRM platforms, which enables you to see which scheduled patients are CareCredit cardholders with available credit or are pre-approved.

Practice growth focus. We have resources that help you solve key practice issues and practice support through Synchrony’s award-winning U.S.-based call centers. We also have a highly trained team of practice growth leads who leverage best practices learned from thousands of practice visits, and innovative technology to create customized growth plans based on your specific opportunities.

Here’s how CareCredit offers full payment flexibility for your patients or clients:

What This Comparison Means for Providers

If you want financing to be a consistent driver of acceptance and growth, CareCredit is designed to function as a primary solution with:

• Network and brand reach that many patients already trust (12M+ cardholders; 1 in 10 U.S. households have or have had the card)
• Ongoing usability for future care needs within a broad health and wellness network
• Transparent terms and a patient experience designed to build confidence
• Provider support (training, tools, marketing and service) to help you operationalize financing and grow

A Partner Defined by Performance — Not Claims

Choosing a financing partner is ultimately a decision about patient and client trust, practice workflow and sustainable growth. When newer entrants raise questions, the most reliable answer is performance that’s demonstrated through adoption, transparent terms and provider support at scale.

CareCredit is designed to help patients and clients get care day to day through clear and consistent terms and a patient experience that helps them move forward confidently. It also delivers provider support that extends beyond implementation, including training, tools and resources that help teams optimize financing as a growth driver. The result is a financing solution built not only to help patients and clients say yes, but to help practices retain loyalty and sustain growth over time.

FAQs About CareCredit Patient Financing

Still have questions about why CareCredit is the best financing option for your practice/business and patients/clients? Here are answers to some commonly asked questions.

How does CareCredit help people move forward with care, and what’s the first step?

CareCredit is a smart payment choice that helps patients and clients get the care they want or need and pay over time with convenient monthly payments.^* They can also see if they prequalify with no hard credit check, so there’s no impact to their credit score, helping them explore options before committing.

How quick is it to get started, and can patients and clients use CareCredit again for future care?

Patients and clients get a fast application with an instant decision, including an easy application with a less than six-second decision. And once approved, the CareCredit credit card can be used again at participating locations whenever another care need comes up.^*

What are CareCredit processing/merchant fees for my practice?

Your processing rate is based on a few factors, including which special financing option a purchase is processed with. We don’t charge annual fees or monthly fees.

How and when will my practice be paid from CareCredit?

CareCredit typically pays participating providers within two business days of the transaction being processed.

What if my patients or clients don’t pay their bills?

Once a transaction is approved and processed correctly, the patient’s repayment obligation is with CareCredit/Synchrony, not your practice, so you’re not left trying to collect those financed balances from the patient as “your” receivable. This can help reduce collections burden and keeps the financial relationship for repayment between the cardholder and issuer.

How do I get help or support as a practice enrolled to offer CareCredit?

CareCredit offers provider support resources designed to help practices before and after implementation, including help with common questions and ways to connect with their team for assistance. For day-to-day needs, providers can use CareCredit’s provider support hub and related tools/resources or contact their support channels directly.

Offer Flexible Financing at Your Practice

If you are looking for a way to connect your patients or clients with flexible financing that empowers them to pay for the care they want and need, consider offering the CareCredit credit card as a financing solution. CareCredit allows cardholders to pay for out-of-pocket health and wellness expenses over time while helping enhance the payments process for your practice or business.

When you accept CareCredit, patients or clients can see if they prequalify with no impact to their credit score, and those who apply, if approved, can take advantage of special financing on qualifying purchases.^* Additionally, you will be paid directly within two business days.

Learn more about the CareCredit credit card as a financing solution or start the provider enrollment process by filling out this form.

Author Bio

Gina LaGuardia is the Managing Editor of Provider Insights, where she helps shape and deliver content strategy that highlights the benefits of being a CareCredit provider. Her work focuses on creating educational, engaging content that helps health and wellness providers grow their practices and strengthen their patient financing efforts. She brings extensive experience in content marketing and social media across health and wellness, personal finance, banking, education and careers, and small business sectors.

Healthcare payment and financing solution

The CareCredit health and wellness credit card helps improve the payment experience for patients and clients, and your financial performance.

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