Special interest rates
for specific time periods.

Many credit cards offer teaser or introductory rates for a limited time. CareCredit offers special interest rates every time you use it.

We offer No Interest* plans from 3 to 24 months and Extended Payment Plans for up to 60 months with lower monthly payments and a fixed interest rate of 13.9%.


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*Click here for Details and Terms
CareCredit Interest Rates

Financial Glossary

  • Promotional Period
  • Promotional Financing
  • Delinquency APR
  • Finance Charges
  • Minimum Monthly Payment
  • Revolving Line of Credit

Promotional Period:

The time period in which your account needs to be paid in full in order to avoid being assessed finance charges. No interest plans include periods of 3, 6, 12, 18, or 24 months. Fixed low interest plans include periods of 24, 36, 48 or 60 months.

Promotional Financing:

A no interest or low interest payment plan for a pre-determined amount of time. No interest plans include periods of 3, 6, 12, 18, or 24 months.

Fixed low interest plans include periods of 24, 36, 48 or 60 months.

Delinquency APR:

The annual percentage rate (APR) that is applied to your account if you do not pay your minimum monthly payment.

Finance Charges:

The charge for credit.

Minimum Monthly Payment:

The minimum monthly payment required on your account to maintain your promotional terms.

Revolving Line of Credit:

The agreement to lend you a specific amount and allow you to borrow again against that amount once it has been repaid.

Get Your Free Guide

to Healthcare Financing

Your guide will cover:
  • How CareCredit works
  • Paying for healthcare
  • No Interest financing


Frequently Asked Questions

How is CareCredit different from my other credit cards?

With CareCredit, you can get either a NO INTEREST payment plan or an extended LOW FIXED INTEREST payment plan every time you use it. Most credit cards only offer special or low interest plans for short periods or upon sign up.

How long do I have to pay off my treatment fees?

The length of time you have to pay depends on the promotional payment plan that you choose when you use the card. Not all CareCredit providers offer all promotional plans, so ask your provider for details.

How do I qualify for CareCredit?

Approval is based on information from your credit application and past credit history. This includes information from the primary applicant as well as any co-applicant.

Why do doctors offer CareCredit?

Many patients put off treatments and procedures because they cannot afford to pay. Doctors offer CareCredit payment plans as a convenient option to consumer credit cards, cash or checks. CareCredit allows you to pay over time often without incurring interest charges instead of a lump sum prior to treatment. Offering CareCredit removes the accounts receivable responsibilities from the doctor and allows them to focus on recommending and providing the best care to their patients.

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