CareCredit Financing
CareCredit is different from a regular credit card.
Use it to pay for out-of-pocket expenses not covered by medical insurance, and special financing options are available that you may not be able to get with other cards.
Pay for health, and wellness care at over 225,000 enrolled providers across the nation. Once you've applied, you can use it again and again at any location that accepts CareCredit.
With shorter term financing options of 6, 12, 18 or 24 months no interest is charged on purchases of $200 or more when you make the minimum monthly payments and pay the full amount due by the end of the promotional period. If you do not, interest is charged from the original purchase date.
What is CareCredit Financing?
CareCredit is a healthcare credit card designed for your health, and wellness needs. It’s a way to pay for the costs of many treatments and procedures and allows you to make convenient monthly payments.
This Card is accepted at over 225,000 providers nationwide for LASIK and Vision Care, Cosmetic and Dermatology Procedures, Dentistry, Veterinary, Hearing Care and other specialties.
CareCredit is now also accepted at select retail locations.For complete details of healthcare financing terms, please review the account agreement within the application.
How CareCredit Card Works?
This is also extends longer term healthcare financing for 24, 36, 48 or 60-month periods with Reduced APR and Fixed Monthly Payments Required Until Paid in Full. Purchases of $1,000 or more may be eligible for a 24 months offer with a 14.90% APR, a 36 months offer with a 15.90% APR or a 48 months offer with a 16.90% APR. Purchases of $2,500 or more may be eligible for a 60 months offer with a 17.90% APR.**
For complete details, see the CareCredit account agreement within your application.
Ask your provider to find out which promotion is right for you. You do not need to select a promotion before you apply.
With promotions on qualifying purchases at enrolled provider locations of $200 or more, 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 are required; however, paying the minimum monthly payment may not pay off your purchase by the end of the promotional period.
What can you use CareCredit credit card for?
Your CareCredit credit card can be used at over 225,000 locations nationwide for a variety of healthcare services including LASIK, veterinary, dentistry, cosmetic surgery, hearing care and more.
Once you have the Card you can use it over and over (subject to credit approval) for you, your family, and even your pets – without reapplying, as long as you have available credit. Please visit our locator for the locations you can use your credit card.
How to apply for a CareCredit credit card?
The easiest and fastest way to apply for the card is to use this link. You will get the credit decision within seconds and, if approved, you can use your account right away.
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. Applicants by phone must have written copy of the credit card agreement before proceeding, which can be printed from carecredit.com or they can obtain from their provider.
In addition, you can apply in person at more than 225,000 healthcare provider locations that accept CareCredit. We do not accept applications via fax or email.