Financing Available

The easiest and fastest way to see if you prequalify for CareCredit is to use this link. You will get the pre-qualification decision within seconds and if you pre-qualify, you can apply right away, with confidence. If you are approved, you will either be approved for the CareCredit credit card. You can also apply over the phone, toll-free, at (800) 677-0718. If you choose to call, you can use our automated system 24/7 or you can apply with a live agent between 9:00 am-9:00 pm Monday-Friday, Eastern Time. Applicants must be at least 21 years of age to apply by phone (must be 18 or older to apply). Applicants by phone must have a written copy of the credit card agreement before proceeding, which can be printed from carecredit.com, or you can obtain it from your provider. In addition, you can apply at healthcare provider locations that accept CareCredit. At this time, applications via a provider are only for the CareCredit credit card. If you would like your application to also be considered for the CareCredit Rewards Mastercard, please apply at carecredit.com/apply.

You can apply for a Scratch Pay plan from any internet-connected device at scratchpay.com, where you will receive an instant plan decision in most cases. Your credit score will not be impacted when you apply and accept a Scratch Pay plan. Scratch Pay plan applications do require a soft credit check.

Although you can apply for a Scratch Pay plan before being seen for a medical appointment, we recommend consulting your care provider beforehand for an estimated treatment cost.