From routine adjustments to comprehensive treatment plans, FigCare Pay lets patients spread the cost of chiropractic care into manageable monthly payments — while your practice gets paid up front.
Your practice gets access to the tools, application links, and resources needed to start offering patient financing.
Introduce financing during consultations, treatment planning, estimates, checkout, or follow-up.
Once an approved patient's financing is funded, your practice receives payment and the lender handles repayment.
Chiropractic care financing gives your patients a comfortable way to pay for the care you recommend, so cost is less likely to stand between them and the results you are working toward together.
You already know that chiropractic care is about more than relief in the moment. Consistent visits support alignment, healthy nerve function, and long-term wellbeing. Even so, patients who believe in that vision can still hold back when they worry about paying for a full course of care, especially when insurance covers little of it. When that happens, many shorten the plan or step away from the very care that would help them most.
Offering a way to pay over time can change that conversation. When patients know they have options, they are more likely to move forward and stay on track with recommended care, which supports better outcomes, stronger relationships, and a healthier practice.
With chiropractic care financing, patients can spread the cost into manageable monthly payments while your practice is paid in full, upfront. You keep your fees, the lender handles repayment, and your patient gets to keep moving forward on their wellness journey.
Get Paid Upfront
Your practice receives the full amount once the loan funds, so you can focus on care instead of chasing balances.
Lender Handles Repayment
The lender takes on billing, reminders, and collections, giving your team back time for patients.
Keep Your Fees
Offer a caring way to pay without discounting the value of the treatment your patients need.
Key Takeaways
Chiropractic care financing lets your patients pay for their care over time instead of all at once. A patient applies, reviews the options they qualify for, and moves ahead if approved. Your practice is paid in full when the loan funds, and the patient repays the lender over a term that fits their budget.
FigCare Pay connects chiropractic practices with a network of lenders that help patients finance adjustments, corrective care plans, spinal decompression, and wellness programs.
| Stage | What Happens |
|---|---|
Step 1 Apply | The patient applies through your financing link and sees the monthly payment options they qualify for. |
Step 2 Choose an Offer | They compare the offers available to them and choose the term that fits their budget. |
Step 3 Begin Care | The loan funds, your practice is paid in full, and the patient starts or continues their care. |
When a patient hesitates at the cost of a care plan, it is rarely because they doubt the value. More often, paying the full amount at once simply feels out of reach, particularly when insurance covers little of it. Discounting your care chips away at what it is worth, and running your own installment plan asks your front desk to take on billing and follow-up. Financing offers a gentler path: your patient pays over time, and you keep your full fee while the lender manages repayment.
Financing tends to help most with care that has a defined scope and price. Corrective plans, spinal decompression, rehabilitation, injury recovery, and wellness packages are all common candidates, though eligibility ultimately rests with the lender.
Corrective Care Plans
$1,500 – $5,000
Multi-visit adjustment plans that address alignment, posture, and recurring pain over a defined course of care.
Spinal Decompression Programs
$2,000 – $6,000
Structured decompression therapy for disc issues, sciatica, and chronic back and neck pain.
Rehabilitation & Recovery
$3,000 – $8,000+
Longer programs that combine adjustments, therapy, and rehab for injury recovery and mobility.
Wellness & Maintenance Packages
$1,000 – $3,500
Prepaid preventative and maintenance visit packages for patients who want ongoing care.
Auto & Personal Injury Care
$2,000 – $7,000
Extended treatment for auto and personal injury cases where coverage is delayed, limited, or unavailable.
Sports Injury Recovery
$1,500 – $5,000
Focused programs for athletes recovering from strains, sprains, and overuse injuries.
Figures are illustrative. Actual approval, amounts, rates, terms, and payments are set by the participating lender.
Patients appreciate hearing about payment options directly from the practice they trust, so it helps to make monthly payments a natural part of the treatment conversation rather than something you raise only after someone hesitates at the price.
The earlier patients know that paying over time is an option, the easier it is for them to say yes to the care you recommend. Make it visible from the first touchpoint, so financing feels like a normal choice rather than a last resort.
Before the Visit
During Treatment Planning
There is more than one way to collect payment, and each asks something different of your team. The real difference is how much time and follow-up lands on your front desk.
| Payment Method | When You Get Paid | Who Manages Repayment | Admin Overhead | Best For |
|---|---|---|---|---|
| FigCare Pay Financing | In full, once the loan funds | The lender | Low | Care plans and higher-cost treatments |
| Pay in Full | Right away | Not applicable | Low | Patients ready to pay upfront |
| Credit Card | After processing | Patient and card issuer | Low | Patients using available credit |
| Buy Now, Pay Later | Varies by provider | The provider | Low to moderate | Smaller balances, within provider limits |
| Your Own Payment Plan | Over time | You | High | Short-term arrangements you manage yourself |
In short: financing lets your practice collect in full upfront while the lender manages repayment, so your team can spend its energy on patients rather than payment tracking.
Picture a patient on a $3,600 corrective plan paying you $600 a month for six months. You are delivering care while waiting on the balance, and a late or failed payment becomes your team’s problem to chase.
With financing, the patient borrows for the plan, the loan funds, and you are paid in full while the lender handles repayment. The lender sets the rate, term, and approval.
Figures are illustrative. Actual approval, amounts, rates, terms, and payments are set by the participating lender.
Give patients a comfortable way to pay monthly while you keep your fees and hand the billing to the lender.
The patient applies directly and may be asked for details about their identity, income, and credit. The lender decides the offer, including the rate, any fees, and the term.
Most plans are structured as installment loans, repaid in set amounts over a fixed period. The CFPB explains how personal installment loans generally work.
The process varies from one lender to the next, and some let patients preview their options before a full application. Once everything is finalized and the loan funds, your practice is paid according to your agreement.
If a Patient Misses a Payment
The loan is between the patient and the lender, so missed payments fall under the lender’s policies. Keep clear records of your treatment agreement and the care you have delivered.
If a Patient Pauses Care
Spell out in your treatment agreement how you handle pauses, missed visits, and plan changes. A pause in care does not automatically change the patient’s loan.
If a Patient Cancels
Set your cancellation and refund terms before care begins. Any refund or adjustment follows your agreement and the lender’s terms.
Keep your care and pricing clear, present financing as one option among several, and send every question about rates and terms to the lender.
Describe your services as chiropractic care, put your scope and treatment agreement in writing, and frame financing as a way to pay, never as a promise of a clinical result. The American Chiropractic Association offers guidance on ethical practice and patient agreements, and the FTC sets the rules for using reviews and testimonials honestly.
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If you offer care plans or higher-cost treatments and often hear some version of “I want to do this, but I cannot pay for all of it right now,” financing may be a natural fit. Whether your focus is corrective care, spinal decompression, rehabilitation, sports or auto injury recovery, or ongoing wellness, giving patients a comfortable way to pay keeps cost from ending the conversation and lets more of them stay on the path to feeling their best.
FigCare Pay helps chiropractic practices weave monthly payment options into the care conversations they already have. Your patients get a comfortable way to pay over time, you keep your fees, and your practice is paid in full once the loan funds, so cost is one less thing standing between patients and their wellness goals.
Ready to Add Financing to Your Chiropractic Practice?
Request information to see how quickly you can start offering monthly payment options.
Important: FigCare Pay is not a lender and does not make credit decisions. Financing is provided by participating third-party lenders and is subject to eligibility, underwriting, approval, applicable terms, and provider requirements. This page is for general informational purposes only and is not legal, tax, credit, medical, or financial advice.
Healthcare providers often face the challenge of balancing patient affordability with business growth. FigCare Pay helps solve this challenge by creating flexible financing opportunities for both patients and practices.
Receive full payment within 1–2 business days of approval, no matter the patient's repayment term.
Practices consistently see more treatment plans accepted once monthly payment options are on the table.
Financing is non-recourse, so your practice isn’t responsible for patient repayment or defaults.
A real onboarding and support team helps your front desk get comfortable offering FigCarePay from day one.
Give patients more options to afford treatments without delaying necessary care.
Help more patients say yes to recommended procedures by reducing financial barriers.
Create opportunities for growth with financing solutions designed for healthcare businesses.
Work with a streamlined approach that makes exploring financing options easier.
Patient cost objections are the leading cause of abandoned consultations. Adjust the sliders below to see how offering flexible, point-of-care financing lifts your case acceptance rate and accelerates annual cash flow.
Projected Annual Practice Growth
Based on a conservative +20% case acceptance lift when offering multi-lender patient payment plans at the point of care.
Projections illustrate potential revenue gains based on benchmark conversion improvements across medical and aesthetic practices. Actual acceptance rates, volume, and collections depend on patient demographics and individual credit tier underwriting.
Chiropractic care financing is a way for qualified patients to pay for adjustments, care plans, and treatments over time through a lender instead of covering the full cost at the first visit. The practice receives payment upfront once funding requirements are completed, and the patient repays the lender in monthly installments.
The patient applies through your financing link, reviews any available monthly payment options from the lender network, and completes the process if approved. Once funding requirements are met, your practice is paid upfront and the patient begins or continues their care plan. The lender manages approval and repayment.
Your practice typically receives payment upfront once the financing and funding requirements are completed. Exact timing depends on the lender and the financing product, so follow the funding and delivery steps your financing provider outlines.
Financing tends to fit care with a clear price and defined structure, such as corrective care plans, spinal decompression programs, rehabilitation, sports and auto injury recovery, and wellness or maintenance packages. Eligibility depends on the lender and the details of the plan.
There is no single cutoff. A multi-lender network is designed to review a range of credit profiles, and approval, terms, and available offers are determined by the lender based on credit and other factors. Approval is never guaranteed.
Because your practice is paid upfront once funding is completed, financing can make revenue more predictable than running your own long-term payment plan, where you wait on the balance and handle any failed payments yourself. Program details and any applicable fees are reviewed during setup.
The repayment agreement is between the patient and the lender, so missed payments are handled under the lender’s policies. If a patient pauses or cancels care, your own treatment, cancellation, and refund policies apply, and a pause in care does not automatically change the patient’s financing agreement.
Amounts vary by lender and by the patient’s approval, and can range from smaller balances up to larger care plans and treatment programs. The lender determines the final approved amount, rate, and term.
Connect with FigCare Pay to discover how flexible financing options can help your patients and support your healthcare business growth.