Best Healthcare Financing

25 Companies

49 Real Customer Reviews

2.5
Average User Rating

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Compare The Top Healthcare Financing CompaniesSort By:

9.0

Overall Score

25 User Reviews

a month ago

  • Approval in Just Minutes
  • Provider Network: 5,000+ Providers
  • Online Patient Portal

Compassionate Finance

  • Approval in Just Minutes
  • Provider Network: 5,000+ Providers
  • Online Patient Portal
  • In Business over 150 Years
  • No Application Fee

Wells Fargo Health Advantage

  • In Business over 150 Years
  • No Application Fee
  • Multiple Finance Options
  • Provider Network: Unknown

Commerce Bank

  • Multiple Finance Options
  • Provider Network: Unknown
  • Financing For Company Health Plans
  • Provider Network: 6,000+ Providers
  • Online Patient Portal

Capital One Healthcare Financing

  • Financing For Company Health Plans
  • Provider Network: 6,000+ Providers
  • Online Patient Portal
  • Network of Over 200,000 Providers
  • Broad Range of Procedures Covered
  • High Rates

Care Credit

  • Network of Over 200,000 Providers
  • Broad Range of Procedures Covered
  • High Rates
  • Covers Services and Equipment
  • Provider Network: Unknown

GE Capital

  • Covers Services and Equipment
  • Provider Network: Unknown
  • Lowest APR Available: 5.99%*
  • Provider Network: Loan Can Be Used Anywhere
  • Online Patient Portal

Lightstream

  • Lowest APR Available: 5.99%*
  • Provider Network: Loan Can Be Used Anywhere
  • Online Patient Portal
  • Lowest Interest Rates Offered
  • No Application Fee or Credit Pull
  • Network of Over 10,000 Providers

Lending Club

  • Lowest Interest Rates Offered
  • No Application Fee or Credit Pull
  • Network of Over 10,000 Providers
  • No Application Fee
  • 0% Interest on Line of Credit

Care Payment

  • No Application Fee
  • 0% Interest on Line of Credit
  • Industry Specialization
  • Free Application
  • Low Interest Rates Offered

Prosper Healthcare Lending

  • Industry Specialization
  • Free Application
  • Low Interest Rates Offered
  • Approval in Just Minutes
  • Provider Network: 5,000+ Providers
  • Online Patient Portal

Intro to Compassionate Finance

Compassionate Finance was founded to service those who need assistance funding healthcare procedures, but do not have the financial ability to do so when the concern arises. With a personal loan from Compassionate Finance, patients can receive the medical attention they need without having to front the bill immediately. There are qualifications that need to be met on behalf of the individual prior to receiving a personal loan through Compassionate Finance, but the process prior to enrollment is kept relatively simple. 

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  • In Business over 150 Years
  • No Application Fee

Intro to Wells Fargo Health Advantage

Together with what used to be Springstone Financial, the Lending Club dedicates part of its mission to providing financial assistance for medical bills through personal loans. Their partner banks, Comenity and NBT Bank, administer these loans.
Wells Fargo has been recognized by Forbes as one of the world’s top 10 publicly traded businesses, as well as by Fortune magazine as one of the most admired companies. But this thriving bank does more than handle checking and savings accounts. Beginning in 1963 they got involved in consumer finance, and today they’re a competitive option for patients who need financial assistance with health care bills. 

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  • Multiple Finance Options
  • Provider Network: Unknown

Intro to Commerce Bank Healthcare Financing

Commerce Bancshares, Inc. acts as a super-community bank that provider a number of financial products and services to individuals, small businesses, and large corporations. While healthcare financing on an individual level is a service Commerce Bank provides, it is far from the only financial service that they provide. They place an extra level of focus on asset quality and expense management but their full range of financial products to consumers and commercial customers include: lending, payment processing, trust, brokerage, and capital market services. 

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  • Financing For Company Health Plans
  • Provider Network: 6,000+ Providers
  • Online Patient Portal

Intro to Capital One Healthcare Financing

Capital One Healthcare Financing specializes in the funding and investment of customized healthcare solutions. The Capital One Healthcare team financed over $65 billion to healthcare providers in 45 medical sectors over the last decade. For the last three years, Capital One has been the leader in healthcare-leveraged loans in both volume and number of loans. Since Capital One is a top 10 U.S. bank, they have resources, experience, and capital other lenders may not have access to. 

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  • Network of Over 200,000 Providers
  • Broad Range of Procedures Covered
  • High Rates

CareCredit is part of Synchrony Financial, a company that provides financing solutions in multiple industries. Founded in 1987, the company has been around for almost 20 years, giving them a lot of experience in the healthcare financing industry.  CareCredit provides medical credit cards that can be used for things such as going to the dentist’s office or a routine checkup. Or members can pay for deductibles or copays. The CareCredit company offers healthcare financing options for consumers through a network of over 200,000 health care providers as well as being provided at health-focused retail locations. CareCredit members are able to use their card for copayments, deductibles, and prescriptions that are not covered by insurance. 

 

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  • Covers Services and Equipment
  • Provider Network: Unknown

Intro to GE Healthcare

Back on December 1, 2015, GE Capital finalized the sale of its Healthcare Financial Services business to Capital One. The transaction included a number of funding project such as corporate finance, real estate finance, and life science finance teams. That being said, GE Capital did retain the Healthcare Equipment Finance business which provides equipment financing solutions dedicated to the specific needs of healthcare providers. GE Capital is comprised of healthcare technology strategists who can provide advice and flexible solutions to build around the provider and their facility. 

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  • Lowest APR Available: 5.99%*
  • Provider Network: Loan Can Be Used Anywhere
  • Online Patient Portal

Intro to Lightstream

LightStream is a lending division operated by the well-known SunTrust Bank. Based in Atlanta, Georgia, SunTrust was founded in 1865 and bought the assets of FirstAgain which was later used to launch LightStream in 2013. LightStream is SunTrust’s way of offering customers loans for various expenses ranging from auto repairs to home improvement projects to—you guessed it—medical expenses. After its creation, LightStream grew in no time, having thousands of clients already in the year 2014. The company provides unsecured medical loans, which basically means that once you’re approved for a loan from them, the funds go directly into your bank account and you can use them for any medical procedure you need. Because this is their format, they don’t really have a network of participating medical providers. Any provider can be a participating provider, since the money is yours to spend (and of course pay back!).  

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  • Lowest Interest Rates Offered
  • No Application Fee or Credit Pull
  • Network of Over 10,000 Providers

Intro to Lending Club

The Lending Club is a business devoted to financial assistance, whether that’s through personal loans, business loans, or investments. In terms of medical loans, it claims a network of about 10,000 providers. Forbes named them one of America’s Most Promising Companies for three years in a row.

Together with what used to be Springstone Financial, the Lending Club dedicates part of its mission to providing financial assistance for medical bills through personal loans. Their partner banks, Comenity and NBT Bank, administer these loans. 

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  • No Application Fee
  • 0% Interest on Line of Credit

Intro to Care Payment

Based in Portland, Oregon, Care Payment was founded in 2004. They emphasize that their purpose is simply to help patients pay off their medical bills and that they are not a credit card company. In fact, they make most of their money off of the fees that health care providers pay to enroll in the program—not off of interest or hidden fees for patients.

In its 11 years of business, Care Payment has provided relief to more than one million patients. They partner with doctor’s offices and hospitals to establish a line of credit. Patients use this credit to temporarily pay for medical bills. Thus far, the company has about 500 hospitals in its network, but they are continually expanding.

Care Payment is driven by the notion that no patient should be deprived of financial help with medical bills. They assert that they understand the rising costs of out-of-pocket costs in health care and simply want to help.  

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  • Industry Specialization
  • Free Application
  • Low Interest Rates Offered

Intro to Prosper Healthcare Lending

In 2009, Prosper Marketplace, a peer-to-peer lending agency , founded Prosper Healthcare Lending, a subsidiary intended to provide financial assistance for medical bills. This company has helped more than two million people and boasts to have funded more than four million dollars in loans.

Headquartered in Salt Lake City, Utah, Prosper Healthcare is driven by the slogan to Make HealthCare Affordable. The founders of this subsidiary have backgrounds in healthcare technology, as well as both direct lending and indirect lending.

The company is growing very quickly and already works with about 2,000 providers across the nation. Primarily, they provide loans, not credit lines or cards, and specialize in four medical industries: dental, bariatric, fertility, and cosmetic surgery. 

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