CareCredit offers two types of promotional financing plans:
No interest if paid in full within 6, 12, 18, or 24 months*
On qualifying purchases of $200 or more made with your CareCredit credit card account. Interest (at the rate of 26.99% for new accounts) will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum Monthly Payments required. Required monthly payments may or may not pay off purchase before end of promotional period.*
Reduced APR and Fixed Monthly Payments Required Until Paid In Full**
On qualifying purchases made with your CareCredit credit card account at enrolled provider locations:
- Purchases of $1,000 or more are eligible for a 24, 36, 48 months offer with a 14.90% APR
- Purchases of $2,500 or more are eligible for a 60 months offer with a 16.90% APR
† Each month you are only required to pay the required minimum monthly payment on your account but to avoid interest the promotional purchase must be paid in full by the end of the promotional period. The estimated amounts are suggested amounts to be paid if you choose to make equal monthly payments and take advantage of the promotion. This suggested amount may be more than your minimum monthly payment. Your minimum monthly payment may vary and will depend on various factors affecting your account balance, such as (a) the timing and amount of your payments, (b) the interest rate on your account, and (c) whether any fees or other charges are added to your account. You may always pay more. The more you pay each month, the quicker your balance will be repaid and the lower your total finance charges will be.