FLEXIBLE FINANCING
for health and wellness
Take advantage of special financing on every qualifying purchase.Discover the incredible opportunity to make your purchasing power go further with our special financing offer. Available on every qualifying transaction, this special financing opportunity allows you to spread the cost over time, making it easier to afford those must-have items without the immediate financial burden.
The CareCredit Difference
What is CareCredit?
CareCredit is a health and wellness credit card issued by Synchrony that provides flexible financing options so you can get the care you want or need — without waiting.
How It Works
Promotional Financing — Special offers like no interest if paid in full within 6, 12, 18, or 24 months on qualifying purchases over a set minimum (usually $200 or more).
Reduced APR Plans — For larger expenses, there are longer term plans (24–60 months) with reduced APRs.
Prequalification Without Impacting Credit Score — You can check whether you qualify without it affecting your credit.
Accepted Widely — More than 270,000 providers & retail locations accept CareCredit for a variety of services including medical, dental, cosmetic, vision, veterinary, etc.
Things to Know / Important Terms
Deferred Interest
With some offers, there’s no interest only if you pay off the full promotional balance by the end of the promo period. If not, interest from purchase date may apply.
APR & Charges
After promotional periods, or for non-qualifying purchases, the interest rates can be high. Late fees or penalty APRs may apply.
Minimum Purchase Amounts
Some financing plans only apply if the cost is above a certain dollar amount (e.g. $200).
Key Benefits for Patients
You can access treatments, procedures or care out of pocket that insurance might not cover.
Flexible payment schedules let you manage your budget better.
No annual fee for using the card.
Transparency: Clear terms about promotional offers, payment schedules, and when interest applies.
Why NAR Medical Research Group Supports CareCredit
Enables our patients/participants to focus on their health without financial delay.
Allows us to provide treatments, diagnostics, or services even when insurance or savings fall short.
Part of our commitment to accessibility, patient-centred care, and financial transparency.
“With CareCredit, you don’t have to wait for the care you need. From lab tests to treatment procedures, it provides flexible payment options so you can get started now and pay over time — often with special interest-free or reduced interest financing.”
Frequently Asked Questions
Why do I need to accept the CareCredit credit card if I already accept general-purpose credit cards?
With CareCredit, your patients or clients can count on a dedicated health and wellness credit card for products and services they want and need. They can use it to pay for out-of-pocket expenses not covered by medical insurance, and special financing options for purchases of $200 or more are available that they may not be able to get with other cards. CareCredit also leaves room on other cards and credit lines for non-healthcare purchases, which patients or clients appreciate.
Why should I recommend CareCredit to my patients or clients?
Some studies use placebos. Full details are disclosed beforehand.
What type of businesses and practices does CareCredit work with?
CareCredit partners with healthcare and wellness practices, animal healthcare practices, health systems and hospitals of all sizes, across a wide range of industries including:
- Animal Healthcare
- Chiropractic
- Cosmetic Surgery
- Day Spa
- Dental
- Dermatology
- Hearing
- Home Medical Equipment
- Health Systems
- Medical & Other Specialties
- Medical Spa
- Ophthalmology
- Optometry
- Therapies
Leading healthcare and clinical research. Advancing medicine through innovation, integrity, and patient-centered care