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
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.
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.
Choose your plan
Compare monthly payment options and terms. Pick the plan that fits your budget — with 0% APR available for qualified borrowers.
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.
Clear financing rates and terms
No origination fees, no prepayment penalties, and no surprises. Here's what to expect.
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.
A visit, scan, or minor procedure
An outpatient or elective procedure
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
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 RateReal patients who financed their care
See how Wisetack helped people cover procedures, dermatology, and out-of-pocket medical costs.
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.
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.
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.
Medical financing vs. other ways to pay
How paying over time with Wisetack compares to a credit card or a medical credit card.
| Feature | Wisetack | Credit card | Medical credit card |
|---|---|---|---|
| Check rate without credit impact | Yes — soft check | No | Often hard pull |
| 0% APR options | Yes, qualified | Intro only | Deferred interest* |
| Deferred-interest traps | None | Possible | Common |
| Fixed monthly payment | Yes | Revolving | Revolving |
| Prepayment penalty | Never | None | Varies |
| Hidden or late fees | No hidden fees | Yes | Yes |
*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.
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.
Keep exploring your options
How Wisetack works
See the full application, approval, and repayment process from start to finish.
ToolPayment calculator
Estimate a monthly payment for your treatment across different terms.
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Home improvement, dental, auto repair, veterinary, and medical care — all pay-over-time.
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.