Get care today.
Pay over time.
EasyCare Finance offers flexible micro-loans for healthcare needs — from dental implants to mental health therapy. Fixed 9% APR. No hard credit pull to check your rate.
See if you prequalify without impacting your credit score
$2.5M+
In healthcare loans funded
Accepted at
500+
Partner locations
How It Works
Getting your health loan is simple and straightforward. Here's how to get started.
Apply Online
Fill out our simple 2-minute application. No paperwork, no hassle.
Get Approved
Receive a decision within minutes. Most applications approved same day.
Receive Funds
Funds deposited directly to your account or healthcare provider.
Get Treatment
Focus on your health while making easy monthly payments.
Financing for Every Health Need
Whatever healthcare service you need, we've got you covered with flexible financing options.
Dental Care
Braces, implants, crowns, and more
Vision Care
LASIK, glasses, contacts, eye surgery
Medical Procedures
Surgery, treatments, hospital stays
Mental Health
Therapy, rehabilitation, wellness
Fertility
IVF, fertility treatments, family planning
Pharmacy / Medications
Prescriptions, ongoing medications, drug costs
Estimate Your Monthly Payment
Use our calculator to see what your monthly payments could look like. No credit check required.
Your estimated monthly payment
$232.97
*Includes a one-time origination fee of 10% (max $100), financed into the loan. Your actual rate may vary.
Your Repayment Schedule
Loan: $5000 + 10% origination fee (max $100) · 8.99% APR · 24 months
Monthly Payment
$232.97
Total Interest
$491.28
Total Cost
$5591.28
| # | Due Date | Payment | Balance |
|---|---|---|---|
| 1 | Nov 2026 | $232.97 | $4905.24 |
| 2 | Dec 2026 | $232.97 | $4709.02 |
| 3 | Jan 2027 | $232.97 | $4511.33 |
| 4 | Feb 2027 | $232.97 | $4312.16 |
| 5 | Mar 2027 | $232.97 | $4111.5 |
| 6 | Apr 2027 | $232.97 | $3909.33 |
Find the Right Care Near You
Search our network of partnered healthcare practices and funding providers. Filter by specialty, city, or partner type to find the right care.
MDS
Why Choose EasyCare Finance?
We're committed to making healthcare financing accessible, affordable, and stress-free.
Rates from 5.99% APR
Competitive rates that won't break the bank. Your health shouldn't cost more than necessary.
Same-Day Decisions
No waiting weeks for approval. Get your answer in minutes, not days.
No Hidden Fees
Transparent pricing with no surprises. What you see is what you pay.
Flexible Payments
Choose a repayment schedule that fits your budget. 6 to 60 month terms available.
All Health Services
From dental to vision, cosmetic to mental health. We cover all your health needs.
Dedicated Support
Our team is here to help you every step of the way. Real humans, real help.
Know What You Qualify For
Enter 6 months of income & expenses — or connect via Plaid — and our AI instantly calculates your affordable loan range.
Connect with Plaid
Automatically pull 6-month income data from your bank
Monthly Income ($)
Monthly Expenses ($)
Multiple Ways to Pay
We support major card networks, digital wallets, and African payment providers — so everyone can access care, everywhere.
Card Networks
Payment Processing
Digital Wallets
Africa & Global
Credit & Income Verification
Industry-leading partners for responsible credit decisions
Soft-pull credit checks
Bank & income verification
Cash Flow AI
6-month income analysis
Bank-level security. All transactions processed through PCI-DSS compliant infrastructure. SSN data encrypted with AES-256. Soft credit pulls only — no impact to your credit score during pre-qualification.
Scan to Pay
Pay your monthly installment instantly — scan with any camera or payment app, from any device.
Generate Your Payment QR
Fill in your loan ID and select
a payment method to generate your QR
Also available on
Trusted by Thousands
Join over 10,000 satisfied patients who've used EasyCare to finance their healthcare.
"EasyCare made it possible for me to finally get the dental implants I needed. The process was so simple and the monthly payments fit perfectly into my budget."
Sarah Mitchell
Dental Patient
"I was hesitant about financing my LASIK surgery, but EasyCare's low rates and quick approval made it a no-brainer. Best decision I ever made!"
Michael Chen
LASIK Patient
"Starting a family shouldn't be limited by finances. EasyCare helped us afford our IVF treatment when insurance wouldn't cover it. Forever grateful."
Jennifer Torres
Fertility Treatment
Frequently Asked Questions
Have questions? We have answers. If you don't see what you're looking for, feel free to contact us.