Patient Lending...Unlock your patient potential.


The highest quality finance products
for medical & dental expenses
not covered by insurance.

Financing options for your budget
We offer a wide range of financing options including an introductory interest-free option and Prime to Sub-Prime Lending. Your Patients Can Check Their Rate Without Affecting Their Credit Score.


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Direct to Practice Program

• Loans up to $25k.
• Funds deposited directly to Practice.
• Discount rates starting at 1%*
• Instant approvals for credit scores, low as 600.
• No interest promotions for 6, 12 and 24 mos.
• Prime to Sub-Prime Lending
• One seamless platform


Keep more of your hard earned money by switching to Patient Lending today. Patient Lending's direct to practice lenders provide a drop-in replacement to CareCredit™ , while allowing you to keep more of your fees.

We offer great interest rates with no pre-payment penalties. Merchants can elect to offer special zero interest promotions to those who qualify. Participating lenders approve your patients with credit scores as low as 600 or lower. Funds get deposited to your office in as little as one day - helping improve your practice's cash flow. All you need to get started is an identification!

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No Credit

• Loans up to $5,000k.
• Funds deposited directly to Practice
• Flat Discount Rate 2.99%
• Instant approvals
• 12 and 24 Month Loan Terms
• No Paystubs or Bank Statements Required
• Prime to Sub-Prime Lending


Available in the following states: – AK,AZ,CA,DE,ID,IL,KS,KY,MO,NV,NH,ND,NM,OR,PA,SD,UT,VA,
WA and WI

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Direct to Patient Financing

• Loans up to $35k.
• Funds deposited directly to Patient.
• Rate as low as 4.99%
• Instant offers
• Most Popular Financing Offer.
• Prime to Sub-Prime Lending
• Multiple lenders on one platform


Patient Lending participating lenders offer competitive rates to qualified patients on loan amounts that CareCredit™ can't touch.

Why direct to patient lending? Many lenders shy away from the extra liability that funding direct to practice creates. As these loans are between the lender and the patient, there is zero recourse to your practice. Collect payments up front from your patients and stop turning away high dollar work that patients can't afford out of pocket. We can also help obtain additional funds if procedures are over $10,000. You are provided a landing page and placed in an online directory as well. You can also offer a reduced payoff amount for in-house patient financing over 1k. All you need to get started is a proof of income, such as a recent paystub.

Question & AnswerCommon Questions Customers Ask about Our Services.

HOW LONG UNTIL I GET MY FUNDS?

Once your application has been approved and documents are verified, funds are transferred directly to your merchant for your purchase.

WHY SHOULD I APPLY FOR PATIENT LENDING CREDIT?

Our primary goal is to help as many consumers as possible. Patient Lending is specialized in helping all consumers, even those with credit challenges. Most lenders approve only well-qualified borrowers, at Patient Lending we understand that people experience financial difficulty due to reasons beyond their control.

HOW LONG DOES IT TAKE TO GET APPROVED?

We try to provide an instant credit decision to most of the well-qualified borrowers. The rest of the applicants are manually reviewed to maximize the approvals. You can expect to receive a decision on your application within a few minutes through our automated system.

DO I NEED TO PROVIDE A DOWN PAYMENT?

Patient Lending does not require you to provide a down payment.

WHAT DO I NEED IN ORDER TO APPLY?

At a minimum you will need to have: a regular income (minimum $1,500 before taxes), be a US Permanent Resident, be at least 18 years of age, Proof of Identity (driver's license or ID card), Proof of Income (two of the most recent paystubs or tax returns for self-employed and proof of any additional income if applicable), Proof of Residency (Copy of a current utility bill or a current rental agreement)

ARE THERE ADDITIONAL FEES?

As Patient Lending works with a variety of lenders, terms and rates will vary. There are no application fees, no documentation fees, no prepayment penalties, and no other hidden fees.

About UsHelping Patients Finance Medical and Dental Care

Our History

PatientLending.com was started by medical industry professionals who were fed up with the sub-par options for medical financing. Exorbitant interest rates, and difficulty financing higher dollar medical expenditures spurred us to create a better alternative.

Our Vision

We aim to provide the absolute highest quality finance products for medical and dental expenses not covered by insurance.

Dr Steven Roth Founder

866-432-0113

David Bailey CEO

866-432-0113
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