Medical Financing

Finance medical care and pay over time — from $200 to $5,000

From an elective procedure to a treatment insurance won't fully cover, Wisetack lets you split the cost of medical care into easy monthly payments. Rates as low as 0% APR, no hidden fees, and checking your rate won't affect your credit score.

Soft credit check · No impact to your credit score

A patient reviewing an affordable monthly payment plan for a medical procedure
Approvedin about 30 seconds
0% APR optionsfor qualified borrowers
Soft credit check No hidden fees Backed by licensed banks Pay off early, no penalty

Medical care you can finance with Wisetack

Cover a planned treatment or an out-of-pocket cost your insurance won't fully cover and spread it over time — most medical care from $200 to $5,000 is eligible.

Procedures & treatments

Outpatient procedures and treatments — pay for care in manageable monthly installments instead of all upfront.

Dermatology & skin

Skin treatments, mole removal, and dermatology procedures — finance care that insurance may not cover.

Fertility & family planning

IVF and fertility treatments are a major cost — split larger amounts into predictable monthly payments.

Cosmetic & elective

Elective and cosmetic procedures — finance treatments with transparent terms and no hidden fees.

Vision & hearing

LASIK, hearing aids, and vision care — cover out-of-pocket costs with clear monthly payments.

Diagnostics & imaging

Scans, labs, and specialist testing — finance the care you need to get answers, over time.

How medical financing financing works

Apply from your phone at your provider's office or from home. Most people get a decision in seconds.

1

Check your rate

Enter a few details to see your personalized offers. It only takes a soft credit check, so your credit score isn't affected.

2

Choose your plan

Compare monthly payment options and terms. Pick the plan that fits your budget — with 0% APR available for qualified borrowers.

3

Get your treatment

Your provider is paid, you get the care you need, and you pay over time in simple monthly installments with no prepayment penalty.

See the full step-by-step

Clear financing rates and terms

No origination fees, no prepayment penalties, and no surprises. Here's what to expect.

$200–$5,000
Loan amount
0%–35.9%
APR range
3–60 mo
Terms
$0
Hidden fees

Your actual rate and term depend on your creditworthiness and the amount financed. Qualified borrowers may receive promotional 0% APR offers. Estimate a monthly payment

What your monthly payment could look like

Real examples for common needs. Your actual offer depends on your creditworthiness and the amount financed.

$800 treatment
$67/mo
12 months · 0% APR
A visit, scan, or minor procedure
Most common
$2,500 treatment
$104/mo
24 months · 0% APR
An outpatient or elective procedure
$5,000 treatment
$139/mo
36 months · 9.9% APR
Fertility, cosmetic, or major care

Examples are illustrative only and not an offer of credit. 0% APR offers are available to qualified borrowers; APRs range from 0% to 35.9%. Check your rate to see your personalized options.

Do you qualify for medical financing?

Most applicants qualify in minutes. You'll generally need to meet a few basic requirements:

  • Be at least 18 years old (19 in some states)
  • Have a valid U.S. bank account and phone number
  • Provide a valid Social Security or ITIN number
  • Show a steady source of income
See full eligibility requirements
No impact to apply

Check your rate in minutes

See your personalized monthly payment options with a soft credit check that won't affect your credit score. There's no obligation and no cost to apply.

Check Your Rate

Real patients who financed their care

See how Wisetack helped people cover procedures, dermatology, and out-of-pocket medical costs.

Trustpilot
Excellent TrustScore 4.6 · Based on 887 reviews

Financed a procedure my insurance wouldn't cover

I needed a procedure that insurance only partly covered. Wisetack let me pay the balance over time with clear terms and no surprise fees. Checking my rate didn't affect my credit score.
MR
Michael R.Verified
Outpatient Procedure · Austin, TX · 4 days ago

Covered LASIK with 0% APR

I'd wanted LASIK for years but the upfront cost held me back. I qualified for 0% APR so there was zero interest, and no hidden fees. The application took two minutes.
EJ
Emily J.Verified
Vision · Denver, CO · 1 week ago

Spread out fertility treatment into fixed payments

Fertility treatment is a huge cost. Wisetack let me split it into predictable monthly payments instead of one overwhelming bill, and I paid off early with no penalty.
AC
Anna C.Verified
Fertility · Seattle, WA · 2 weeks ago

See why customers trust Wisetack

Medical financing vs. other ways to pay

How paying over time with Wisetack compares to a credit card or a medical credit card.

FeatureWisetackCredit cardMedical credit card
Check rate without credit impactYes — soft checkNoOften hard pull
0% APR optionsYes, qualifiedIntro onlyDeferred interest*
Deferred-interest trapsNonePossibleCommon
Fixed monthly paymentYesRevolvingRevolving
Prepayment penaltyNeverNoneVaries
Hidden or late feesNo hidden feesYesYes

*Deferred-interest promotions can charge interest retroactively from the purchase date if the balance isn't paid in full by the end of the promo period. Comparison is for general information only; terms vary by provider and applicant.

Typical medical costs you can finance

Approximate national price ranges for out-of-pocket care. Wisetack financing covers most treatments from $200 to $5,000.

LASIK eye surgeryBoth eyes
$2,000–$4,500
Dermatology procedureMole or lesion removal
$200–$1,500
Fertility treatmentPer IVF cycle (partial)
$3,000–$5,000+
Hearing aidsPer pair
$1,000–$5,000
Imaging or scanMRI, CT, or ultrasound
$300–$3,000
Outpatient procedureMinor surgical care
$500–$5,000

Price ranges are national averages for general reference and vary by provider, location, and case complexity. They are not quotes or offers.

Medical Financing financing questions, answered

Everything you need to know about paying over time with Wisetack.

Wisetack looks at more than your credit score alone. Checking your rate uses a soft credit inquiry that won't affect your credit score, so you can see whether you prequalify with no risk. Your approval and APR depend on your overall creditworthiness and the amount you request.

You can pay over time for outpatient procedures, dermatology, fertility, cosmetic and elective treatment, vision and hearing, and diagnostics. Financing covers most medical care from $200 to $5,000.

Yes. Qualified borrowers may receive promotional 0% APR offers, which means no interest when you pay on schedule. APRs otherwise range from 0% to 35.9% based on your creditworthiness and the amount financed.

No. Checking your rate is a soft credit inquiry that has no impact on your credit score. A hard inquiry only happens if you choose to accept a loan offer.

You can use Wisetack at any provider that offers it at checkout. If yours doesn't, ask them to send you a Wisetack link so you can apply for your treatment.

Most applicants get a decision within seconds. The whole process usually takes less than a few minutes from your phone, so you can move forward with your care quickly.

Yes. There are no prepayment penalties, so you can pay off your balance early at any time and only pay for the time you actually borrow.

No. There are no origination fees, no prepayment penalties, and no late fees. What you see in your loan offer is exactly what you pay.

There is no single cutoff score. Wisetack weighs several factors beyond your score alone, and checking your rate is a soft inquiry that won't affect your credit, so it's worth seeing your options even if your credit isn't perfect.

Still deciding? Read all Wisetack FAQs or learn how Wisetack compares to Affirm, Klarna, and CareCredit.

Ready to finance your medical financing?

Check your rate in minutes with no impact on your credit score. Clear terms, 0% APR options, and no hidden fees.

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