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!

Type in the amount of funds required:
$
CALCULATE
Months
Monthly Payment
3

per month
6

per month
12

per month
18

per month
24

per month
36

per month
48

per month
60

per month

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.

Patient Financing

Dental
Veterinary
Cosmetic
Mobility
Fertility
Hearing
And More

Quick & Easy

Four easy steps to your installment plan

Safe & Secure

Bank-level encryption protecting your information

How It Works

1. Apply Online

Apply with our easy online application in under a minute.

2. Get an Instant Decision

Get our instant approval decision right away, displayed on screen along with the amount of funds available to you.

3. Begin Your Treatment

Proceed to your preferred health provider to finalize your payment plan and begin your health treatment without delay.

4. Make Payments

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.

More Than

80000

Applications Received

More Than

$200000000

In Approved Credit

Find out how much you
will get approved for

APPLY NOW

No commitment, no obligation

High Approval Rate

Low Monthly Payment

No Penalty for Early Repayment

Skip-a-Payment

Accelerated Repayment

Full Transparency with 24/7 Online Account Access

Refer Your Provider to Health Smart

Start financing your treatment right away