Our interest rates are based on the financing plans your healthcare provider offers and your credit quality. Your rate may be as low as 0% if your provider offers a promotional plan. The large majority of Health Smart customers pay less than typical credit card rates!
This calculator is for estimation purposes only – final payment amounts may vary and will be calculated at the time of transaction along with the applicable APR. The example calculations shown above are based on 7.95% interest and a monthly processing fee of $6.95. The interest you will pay and the loan terms available depend on your personal credit profile, the transaction amount, and the specific financing plans offered by your healthcare provider. Some conditions apply and all transactions are subject to approval by Health Smart Financial Services.
Four easy steps to your installment plan
Bank-level encryption protecting your information
Apply with our easy online application in under a minute.
Get our instant approval decision right away, displayed on screen along with the amount of funds available to you.
Proceed to your preferred health provider to finalize your payment plan and begin your health treatment without delay.
Health Smart will pay your healthcare provider directly. We will set up convenient pre-authorized monthly or semi-monthly payments from your designated bank account.
In Approved Credit
No commitment, no obligation
High Approval Rate
Low Monthly Payment
No Penalty for Early Repayment
Full Transparency with 24/7 Online Account Access
Start financing your treatment right away