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on your terms

Really, no interest or fees? Really.

We get it. Most credit cards with an introductory 0% APR stick you with a high interest rate or fees later. That’s not us. Paytient has no interest or fees, ever.

If you’ve been offered a Paytient card at work or through your health plan, your employer or health insurer is paying to give you access to interest-free credit for care.

Learn more about how Health Payment Accounts work.

Woman smiling while looking at her phone
Person holding a Paytient card
no worries

What about my credit?

There’s no credit check when you activate your Paytient card. No soft or hard pulls. Zero. Nada.

Note that we are legally required to ask a couple of questions regarding your ability to pay when you sign up. We simply compare your monthly income to your monthly expenses to make sure Paytient is extending credit in compliance with all federal and state regulations.

The benefit everyone is talking about
“Best benefit of my entire insurance. It helped me afford glasses when I couldn't afford them any other way. I can also use it for my dental necessities and they just take it out of my paycheck. They give you an option of how many payments to split it into and that was awesome!!”

– Amy G.

“I can honestly and truthfully say Paytient was a blessing to me. I hadn’t been without my glasses for five months I couldn’t afford them because they are expensive I remembered I had that card. and when I activated I was able to use it the next day. It covered the cost of my glasses and also covered a doctor visit especially at a time when money is tight. I recommend anyone that has it to try it it really comes in handy.”

– Carla

“Paytient is awesome! It helped me pay for my dental work I desperately needed and couldn’t entirely afford right now. They make setting up your payment options so easy. I love being able to split my bill up into multiple monthly payments without getting charged interest like I would on a credit card. This is a great option to have!”

– Heather J.

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Still have questions? We’ve got the answers.