PatientFi — Prime lender
Credit limit: $500 to $60,000
Loan terms: 12 to 120 months
Down payment: none required
Payment methods: Debit and ACH
Credit bureau: TransUnion
Interest options: deferred-interest plans regularly available
Open to buy: 6 months from the initial purchase date
Practice & customer support: 866-734-5979
Proceed — Prime lender
Credit limit: $3,000 to $75,000
Loan terms: 24 to 144 months
Down payment: none required
Payment methods: ACH only (debit coming soon)
Credit bureau: TransUnion
Open to buy: none — charge the full amount up front
Practice & customer support: 844-272-7587 (7 a.m.–7 p.m. CT)
CoveredCare — Near-prime lender
Credit limit: $500 to $25,000
Loan terms: standard terms out to 48 months
Down payment: often required; the amount varies by program, and down payments can be made by debit or credit
Payment methods: Debit and ACH
Credit bureau: Experian
Interest options: no deferred-interest plans
Open to buy: none — resubmit an application for add-ons
ITIN: CoveredCare is currently the only lender that accepts an ITIN on applications
Practice & customer support: 888-589-5444
ClarityPay - Full Spectrum Lender
Full Spectrum Lender - Prime to Subprime
Soft Inquiry to prequalify; hard inquiry if the applicant would like to move forward
Max Credit Limit - $25,000; Minimum is $299
May require a security deposit for some transactions
The security deposit will vary depending on program
Uses the Transunion Credit Bureau
Standard Term loans out to 60 months
BUT also has standard loan programs for those that do not qualify for promotions
They accept Debit and ACH payment methods
For Security Deposit they accept Debit and Credit
Open to buy feature coming soon
Customer Support: 800-272-6100
Practice Support: 917-203-8100 Option 2