0% APR patient financing.No practice financing fees.Free forever.
Everyone has a 0% APR program. Ours is the only one with no monthly fees and no merchant financing fees, so you keep every dollar instead of paying it to the finance company.
- 0% APR promotional terms of 12, 15, 18, or 21 months, payments as low as 1% of the balance
- You get paid in full and upfront, like a cash patient
- No merchant financing fee and no cut to your profits, the program costs you nothing, ever
- Unlimited applications, no minimums
Trusted by 11,500+ practices across
50 states
As low as 1% of the balance, at 0% APR
Every practice and healthcare provider qualifies.
Big or small, brand-new or long-established, every practice and healthcare business can offer Preciva. No time in business, no volume minimums, and no approval hoops.
No tax returns, profit-and-loss statements, or bank statements to get set up.
Signing up never touches your personal or business credit.
Nothing to connect or verify before you start offering financing.
Brand-new or decades in, you can offer Preciva from day one.
We handle approvals and support. You just share your link.
From a single visit to a full treatment plan, Preciva finances any procedure, product, or service, with no restrictions.
The financing is free.
You keep every dollar.
Other providers bury a 6 to 16% merchant financing fee inside every funded loan, quietly shrinking your payout on cases you already closed. Preciva flips it. The 0% program costs you nothing: no merchant financing fee, no cut, and no monthly fee. You collect the full case value and keep every dollar.
The price becomes a payment
they say yes to.
At 0% APR with monthly payments as low as 1% of the balance, a big project turns into a small monthly number. Your patient hears an easy yes, and you still collect the full amount upfront, with zero fees.
Figures are illustrative. Payments shown are minimums at 1% of the outstanding balance at 0% APR during the promotional term. Customers can pay more to clear the balance sooner.
Fast. Simple. Built for practices.
No training, no paperwork, and no financing expertise required from you, your staff, or your patient.
You share your link
Text your application link or hand over a QR financing card.
Your patient applies
A 60-second application on their phone, from your waiting room, treatment plan, website, or QR code.
They get an instant decision
Most patients are approved on the spot. If the issuer needs more time, it notifies your patient directly.
The card arrives, you get paid
The 0% card comes by mail within 3 to 5 business days and works as soon as it is activated. Your patient pays the full case value and you keep every dollar.
Financing more than pays for itself.
Offering payments is not a cost. It is the difference between the treatment plans you book and the cases that walk, and it shows up directly in your top line.
Promoting that you offer 0% APR options Doesn't just close jobs.
It fills your pipeline.
Most practices spend heavily to generate leads. Adding 0% APR Promotional Financing to the marketing you already run gives every touchpoint a reason to respond, and it compounds at every stage of the funnel.
A payment offer turns browsers into phone calls.
More prospects book the visit when price is not the wall.
Customers approve the better option, not the cheapest.
Every follow-up gets a fresh reason to reconnect.
The maybe becomes a yes when the payment fits.
Happy patients tell neighbors about the easy option.
Want it done for you? The Practice-Ready Financing Launch Kit puts 0% on your QR cards, flyers, door hangers, and branded landing page, ready to ship.
0% financing on every qualifying job. Free forever.
This is the program we built the business around. Offer it on every case, get paid upfront, and never pay a merchant financing fee or a cut. Every payment you offer is a case you book instead of lose, and when a patient needs more, the Full Spectrum Loan Network is one click away.
0% APR Promotional Financing
No fees to your practice, ever.
Best for prime credit profiles
- 650–850 FICO
- Financing up to $15,000
- 12–21 month promotional terms
- Fast approvals
- Practice paid in full upfront
- No fees to your practice
Optional Practice Launch Kit
Available at checkout ($97)
5-minute setup, use as soon as today
No credit card required
Includes your 0% program and launch kit
Full Spectrum Loan Network
When paid annually · cancel anytime
Save $216/year
Includes Practice Launch Kit ($97 value)
$313
First-year value
Network & platform access
- 500–850 FICO
- $500–$100,000+
- 75+ lenders
- Funding in 24–48 hours
- Includes the 0% APR program
5-minute setup, use as soon as today
Cancel anytime
Full Spectrum Loan Network
Month-to-month · cancel anytime
Same financing platform as annual plan
Everything included except the Launch Kit.
Expanded approvals across the full credit spectrum
- 500–850 FICO
- $500–$100,000+
- 75+ lenders
- Funding in 24–48 hours
- Includes the 0% APR program
Practice Launch Kit not included with monthly billing. Add at checkout for $97.
5-minute setup, use as soon as today
Cancel anytime
We work with the largest, most trusted card issuers in the industry, so your patients get real cards with the best 0% promotional APR terms from familiar names they already know and trust
We take the risk, not you.
No contract and you can cancel anytime. You never pay a percentage of a case or treatment plan, and if a patient doesn't repay, the lender carries the risk, not you.
The essential Patient Financing Launch Kit that makes the program effortless
The Patient Financing Launch Kit connects your 0% APR Promotional Financing program to every patient touchpoint, so that you get maximum impressions inside your marketing funnel. Everything your treatment coordinators, estimators, office team, and staff need on day one, done for you, branded to your practice, printed, and shipped.
- 500 custom branded QR financing cards, professionally printed with your practice logo and shipped directly to your practice.
- Custom branded financing page for desktop and mobile.
- Print-ready marketing materials, including waiting room flyers and QR ready promotional material.
- Digital marketing assets, including website banners, social media graphics, email signature graphics, and financing promotion templates.
- Same-day setup and support with onboarding guidance.
- Done for you, ready to use
- Branded to your practice
- Ships straight to your practice
How hard is it for me and my staff to use the program?
If you can send a link or hand over a card, you can offer 0% APR Promotional Financing. That is it. No training, no heavy lifting, and it is simple for both your staff and your patients.
Text or email the link
Send your patients application link in a text or an email.
Add your QR code
Drop it on appointment remonder cards, on treatment plan proposals and waiting room materials
Hand over a QR card
Share the practice branded patient QR-enabled card we provide. They scan and apply.
Everything other providers
charge you for, free.
Most financing programs hide their cost in fees and restrictions. Preciva does not.
Free to offer. Built to close more jobs.
Close more cases. Practice keeps every dollar
Part of the Preciva family.
Preciva Patient Financing lets you offer patients 0% APR Promotional Financing and unsecured loans, powered by the HelloRates Approval Network. Its sister brand, Preciva Capital, handles practice lending, working capital, medical equipment financing, and practice lines of credit.
The straight answers.
Everything practices ask before they start offering Preciva 0% APR Promotional Financing.
Still have a question? Get started and our team will help you get set up.
Keep every dollar. Book every case.
Offer 0% financing free, keep the full case value, and win the cases you were losing to sticker shock. Get started today, and add the loan network upgrade whenever you want.