CareCredit is a great option for patient financing, as it very easily assists those who need help paying for their medical bills. CareCredit is available to cover any out-of-pocket medical expense for yourself, your family, or your pets.
CareCredit now offers a credit card that can be used to pay for health and wellness care at hundreds of thousands of different providers across the United States.
The CareCredit healthcare credit card can be used for multiple different treatments, all placed on the same card. This simplifies patient financing by preventing the need of a hard credit inquiry for every treatment.
Furthermore, under shorter financing terms, recipients of the CareCredit healthcare credit card with approved credit can avoid paying interest if the balance is paid off before the end of the promotional period.
Overall, the CareCredit healthcare credit card is a viable option for anyone looking to pay for medical treatment.
CareCredit, however, is not accessible to everyone, as there are credit requirements that must be met in order to use the CareCredit healthcare credit card.
The primary concern arises for people with unhealthy credit who find themselves with an unexpected medical emergency. This pairing of inadequate credit and unpaid medical bills can leave anyone in a difficult situation.
Medical loans are the primary source of patient financing, with CareCredit being one of the leading examples. But the question is, does patient financing for bad credit exist? Many are left wondering how to get medical financing with bad credit. Or even worse, how to finance surgery with bad credit.
If you or someone you love is caught in a bind with unpaid medical bills and a poor credit score, let Denefits be that solution that you need.
Denefits is a guaranteed customer financing platform that allows patients to finance their medical treatments without any credit checks whatsoever. That means for anyone wondering how to get a medical loan with bad credit, Denefits can set you up with a flexible payment plan with your preferred provider in order to make small monthly payments on your necessary treatments and services.
No one has to be limited from getting the services that they need due to a bad credit score. Denefits continues to change the way that businesses do financing by providing them with more revenue by accepting more patients instantly, and more and more patients are able to access necessary treatments without needing to pay for them upfront.
Compare Denefits to CareCredit to figure out which is the best fit for your needs.
| Companies | CareCredit | Denefits |
| Guaranteed Payments | N/A | Payments are guaranteed, so even when your patient is unable to pay, Denefits ensures that businesses receive their payments on time |
| Credit Check | Hard credit inquiry required, and applicants need a credit score above 620 to be approved for credit | No credit checks at all whatsoever |
| Fees | Over 15% per transaction | 10% per transaction that businesses can pass on to or split with their customers |
| Revenue | Gained for businesses only from patients who are approved for the healthcare credit card | Greater revenue since businesses can treat every patient who comes through their doors, regardless of their credit score |
| Terms | Fixed terms and conditions set in stone in advance | Financing terms are flexible and can be edited at the business’s request |
| Waiting Period | Patients are not instantly approved, and there is a waiting period for approval | No waiting period, as all patients are instantly approved and can receive treatment at the time of their visit |
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