Best Healthcare Financing

25 Companies

43 Real Customer Reviews

2.5
Average User Rating

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3.0

Overall Score

22 User Reviews

2 days 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
  • Multiple Finance Options
  • Provider Network: Unknown

Commerce Bank

  • Multiple Finance Options
  • Provider Network: Unknown
  • Network of Over 175,000 Providers
  • Broad Range of Procedures Covered

Care Credit

  • Network of Over 175,000 Providers
  • Broad Range of Procedures Covered
  • 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
  • In Business over 150 Years
  • No Application Fee

Wells Fargo Health Advantage

  • In Business over 150 Years
  • No Application Fee
  • 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
  • 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
  • Convenient Online Patient Portal
  • Find a Provider Feature
  • Reasonable Fees

Citi Health Card

  • Convenient Online Patient Portal
  • Find a Provider Feature
  • Reasonable Fees
  • No Application Fee
  • 0% Interest on Line of Credit

Care Payment

  • No Application Fee
  • 0% Interest on Line of Credit
  • 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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  • 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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  • Network of Over 175,000 Providers
  • Broad Range of Procedures Covered

Intro to Care Credit

Founded in 1987, CareCredit has been around for almost 20 years, giving them a lot of experience in the healthcare financing industry.  CareCredit is a healthcare credit card that can be used for your life needs. They offer healthcare financing options for consumers through a network of over 175,000 providers.  CareCredit was founded over 25 years ago, in 1987 and is a publicly held company.  CareCredit is part of Synchrony Financial, with over 10,000 employees, providing the stability of a large corporation for their customers.

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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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  • 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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  • 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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  • 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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  • Convenient Online Patient Portal
  • Find a Provider Feature
  • Reasonable Fees

Intro to Citi Health Card

You’ve likely heard of Citi, or Citigroup, which owns and operates Citibank and offers services in investing, lending, banking, and other monetary needs. What started in 1812 as the City Bank of New York has expanded dynamically into this well-known global company. Its services are available in 160 countries and to more than 200 million customers.

While Citigroup as a whole has a 200-year history, the company has been involved with healthcare financing for over 16 years alone. Their primary product for this is the Citi Health Card. 

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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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