Patient Decisions
Provider Setup
FigCare Pay is an independent marketplace and resource platform dedicated to helping patients and clients explore financing options for dental, medical, aesthetic, and wellness care. We connect consumers and healthcare practices with third-party financing networks, multi-lender point-of-sale platforms, and lending partners to simplify comparing and accessing healthcare credit.
Lending & Operational Disclosure: FigCare Pay is not a bank, direct lender, credit broker, or software provider. We do not underwrite loans, make credit decisions, collect loan payments, or establish interest rates. Point-of-sale financing and multi-lender comparison platforms accessible through FigCare Pay are operated independently by licensed third-party financing providers and their participating lending networks.
FigCare Pay operates completely independent of any medical practice. We do not provide clinical guidance, diagnose conditions, or endorse specific treatments. All medical recommendations and care plans are determined solely between you and your healthcare provider. Your decision to apply for or accept financing has no bearing on medical evaluations or treatment standards.
Access to FigCare Pay’s educational guides, comparisons, and matching tools is free for consumers. We may receive compensation through the following channels:
This compensation funds our website maintenance, research, and platform resources. Commercial partnerships may influence which platforms, lenders, or products are displayed, as well as their placement or display order. However, partner compensation does not dictate our educational editorial content or loan comparison guides.
Using FigCare Pay does not increase your cost of borrowing. We do not add markups, broker surcharges, or hidden platform fees to the interest rates, APRs, or terms presented by our lending partners or point-of-sale platforms.
When you click on links to third-party financing platforms or comparison tools, we may use secure tracking URLs or cookies to verify referral activity with our partners. Once you leave FigCare Pay to access an external financing application or portal, you are subject to the terms of service, privacy practices, and credit disclosures of that third-party provider.
When you compare loan options or pre-qualify through our third-party partner networks, initial rate checks generally use a soft credit pull that does not affect your credit score. If you proceed with a specific offer, the selected lender may require a full application involving a hard credit inquiry, which can impact your credit profile.
Loan amounts, terms (such as promotional 0% interest or multi-year terms), APRs, and fees vary widely depending on the lender, state laws, credit profile, and procedure amount. Not all applicants will qualify for all products, and FigCare Pay does not represent every lender or financing program available in the market.
All calculators, rate tables, and repayment examples provided on FigCare Pay are for informational purposes only. We encourage you to thoroughly review each lender’s Truth in Lending disclosures, payment schedules, origination fees, and default terms before accepting any credit offer. FigCare Pay does not provide legal, tax, or personalized financial advice.