The friendly way to pay for aesthetic treatments
PatientFi is a strong aesthetics-native financing platform with soft-pull approvals, long terms, a 0% option on every approval, and standout manufacturer partnerships — held back only by a less transparent, quote-based merchant-fee structure.
PatientFi is a patient financing platform built for aesthetics and elective care, marketed as "The Friendly Way to Pay." Used by a reported 4,000+ practices and more than 180,000 patients, it lets patients apply with a soft credit check that does not affect their score and receive a real-time decision, with approval rates around 80%. Plans are fixed-rate monthly installments from roughly 6.99% to 32.99% APR, and every approval includes a 0% promotional option, on amounts from $200 up to $50,000 (and up to $60,000 for aesthetics) over terms of about six to 84 months.
The practice is paid the next business day and carries no repayment risk. PatientFi leans hard into manufacturer relationships that matter to med spas: it is an official Allergan Aesthetics partner and integrates with ASPIRE and Galderma Rewards, advertises an "industry lowest fees guaranteed" position with up to 3.5% cash back, and offers 0% provider fees on financing of Galderma products. It integrates natively with Aesthetic Record. The trade-off versus the most transparent competitors is that PatientFi's merchant-fee structure is less openly published and tends to surface during a sales conversation rather than on the website.
Ideal customer
Aesthetic practices and med spas — especially those buying heavily from Allergan or Galderma — that want a soft-pull installment lender with long terms, a 0% option on every approval, and manufacturer-reward tie-ins.
PatientFi is an aesthetics-native installment lender that sits right alongside Cherry as a top option for med spas, with a distinct angle: deep manufacturer partnerships. With a reported 4,000+ practices and 180,000+ patients, and a brand built around "The Friendly Way to Pay," it targets practices that want soft-pull financing plus tie-ins to the Allergan and Galderma ecosystems they already buy from.
The patient experience is competitive with the best in the category. Applications use a soft credit check that doesn't affect the patient's score, decisions are real-time, approval runs around 80%, and every approval includes a 0% promotional option. Terms stretch from about six to 84 months on amounts from $200 up to $50,000 (and up to $60,000 for aesthetics), which comfortably covers high-ticket treatment plans. The practice is paid the next business day and takes no repayment risk.
Choose PatientFi if your practice is deeply invested in the Allergan or Galderma ecosystems and wants financing that plugs into those reward programs, or if you want a second soft-pull lender to run alongside Cherry to maximize approvals. It is an excellent aesthetics-native option with long terms and a guaranteed 0% path — just be sure to get the full merchant-fee schedule in writing during onboarding so you can compare it directly against alternatives.
By Med Spa Vendor Hub Editorial Team. Last reviewed July 28, 2026. Independent editorial review — how we score.
PatientFi publishes 6.99% as an APR floor with no ceiling — "Actual APR may be higher for approved applicants". The 32.99% figure that circulates comes from illustrative worked examples of the post-promotional amortisation rate, not a published maximum. Importantly, the promotional plan is deferred interest rather than 0% APR: interest accrues during the promo period and is waived only if the balance is cleared in full before it ends. Funding is advertised up to $60,000. Practice fees are not published. Verified 28 July 2026.
Patient APR
From 6.99% APR
per loan
Published as a floor only — "APRs start at 6.99%... Actual APR may be higher for approved applicants." No ceiling is published.
Promotional plan
Deferred interest
promotional period
Not 0% APR: interest accrues during the promotional period and is waived only if the balance is paid in full before it ends. Periods of 3, 6, 9, 12, 18 and 24 months.
Practice fee
Not published — by quote
per transaction
No discount rate, per-transaction fee or platform fee is published; pricing is gated behind a demo.
Pricing is researched from public sources and verified periodically; confirm current rates with the vendor.
Independent ratings from third-party review platforms, cited with sources. These are not our score.
A vendor-neutral guide to choosing patient financing for a med spa—covering why financing drives conversion, the six provider models, the deferred-interest trap, merchant economics, and how to match a provider to your patients.
Patient financing has no subscription - the practice pays a merchant discount fee (a % of each financed sale) and the patient pays APR or deferred interest. Here's a transparent 2026 breakdown of real merchant fees and patient rates by lender.
Patient FinancingAffirm is a large general-purpose buy-now-pay-later and installment lender that pays merchants up front and assumes default risk, used by some med spas through Zenoti and Stripe-based POS rather than built for aesthetics.
Patient FinancingAfterpay, owned by Block (Square), is a mainstream buy-now-pay-later provider offering interest-free Pay-in-4 on smaller purchases. Some beauty businesses and med spas use it for retail and lower-ticket services, but it is not a healthcare-built financing product for higher-ticket aesthetic procedures.
Patient FinancingAlphaeon Credit is a purpose-built healthcare credit card for aesthetic, cosmetic, dermatology, and plastic surgery practices, offering deep aesthetics fit but carrying a deferred-interest model and strongly negative consumer sentiment.
