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!
Some conditions apply. Subject to credit approval by Health Smart Financial Services. All plans include a monthly Processing Fee up to $6.95. 3, 6, and 12-month plans shown are at 0% interest. 18 to 60-month plans are shown at 9.95% interest. The actual interest rate and available maximum terms depend on your personal credit profile and the specific financing plan, loan amount and loan term offered by your healthcare provider.
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