FigCare Pay gives patients a more manageable way to pay for LASIK, vision correction, and other eligible eye care procedures by connecting them with financing options from multiple lending partners.
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.
LASIK financing gives your patients a comfortable way to pay for vision correction, so cost is less likely to stand between them and clearer sight.
Vision correction is elective, and insurance rarely covers it, so the full price lands on the patient at once. Someone can be an ideal LASIK candidate, genuinely ready to be free of glasses, and still pause when the total is due before the procedure is scheduled. When cost is the only thing in the way, many keep putting it off year after year.
A way to pay over time changes that. When patients know they have options, more of them move forward and schedule the procedure, which supports a fuller surgical calendar and a healthier practice.
With vision financing, patients can spread the cost into monthly payments while your practice is paid in full, upfront. You keep your fees, the lender handles repayment, and your patient can schedule with confidence.
Get Paid Upfront
Your practice receives the full fee once the loan funds, so you can focus on outcomes 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 flexible way to pay without discounting your services.
Key Takeaways
LASIK financing lets your patients pay for vision correction 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 vision and refractive surgery practices with a network of lenders that help patients finance LASIK, PRK, SMILE, implantable lenses, and refractive lens exchange. Because these procedures are elective, a clear way to pay is often what turns a consultation into a scheduled date.
| 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 Schedule the Procedure | The loan funds, your practice is paid in full, and the patient schedules their procedure. |
When a patient hesitates at the price of LASIK, it is rarely because they doubt the outcome. More often, paying the full amount before the procedure feels out of reach. Discounting cuts into your pricing, and running your own payment plan asks your team to take on billing and collections. Financing offers a cleaner path: your patient pays over time, and you keep your full fee while the lender manages repayment.
For a practice that runs on elective, out-of-pocket procedures, that predictability helps you plan your surgical schedule and staffing with more confidence.
Financing fits elective vision correction with a clear price. LASIK, PRK, SMILE, implantable lenses, refractive lens exchange, and premium lens upgrades at cataract surgery are all common candidates, though eligibility ultimately rests with the lender.
LASIK
$4,000 – $6,000 both eyes
The most requested laser vision correction, and the procedure patients most often ask to finance.
PRK
$3,000 – $5,000 both eyes
A surface laser option for patients who are not ideal LASIK candidates.
SMILE
$4,000 – $6,000 both eyes
A minimally invasive laser procedure for treating nearsightedness and astigmatism.
EVO ICL (Implantable Lens)
$6,000 – $10,000 both eyes
An implantable collamer lens for higher prescriptions or thinner corneas.
Refractive Lens Exchange
$8,000 – $14,000 both eyes
A lens replacement option, often chosen by patients over 40 seeking lasting correction.
Premium Lens Upgrades
$1,500 – $4,000 per eye
The out-of-pocket portion when a cataract patient chooses a premium intraocular lens.
Card ranges are illustrative. Actual approval, amounts, rates, terms, and payments are set by the participating lender.
According to the Refractive Surgery Council, the national average price of LASIK is about $4,400 for both eyes. The typical ranges below give patients a fuller picture, and totals vary with the technology used, the surgeon, the prescription, and the region.
| Procedure | Average | Typical Range |
|---|---|---|
| LASIK (both eyes) | $4,400 | $4,000 – $6,000 |
| PRK (both eyes) | — | $3,000 – $5,000 |
| SMILE (both eyes) | — | $4,000 – $6,000 |
| EVO ICL (both eyes) | — | $6,000 – $10,000 |
| Refractive lens exchange (both eyes) | — | $8,000 – $14,000 |
| Premium lens upgrade (per eye) | — | $1,500 – $4,000 |
The LASIK average is the national figure published by the Refractive Surgery Council. Typical Range figures are illustrative of what patients commonly pay and vary by technology, surgeon, prescription, and region.
Patients appreciate hearing about payment options directly from your practice, so it helps to make monthly payments a normal part of the consultation rather than something you raise only after someone reacts to the quote.
The earlier a prospective patient knows that paying over time is an option, the more likely they are to schedule. Make it visible from the first touchpoint, so financing feels like a normal choice rather than a last resort.
Before the Consultation
During the Consultation
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 risk each one puts 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 | Elective vision procedures |
| 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 who books $4,400 LASIK and asks to pay you $733 a month over six months. You would perform the procedure, then wait on the balance, and a late or failed payment becomes your team’s problem to chase.
With financing, the patient borrows for the procedure, 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 flexible 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, and some lenders let patients preview their options before a full application. The how installment plans are repaid guide from the CFPB is a useful primer for patients who want to understand the basics first.
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 agreement and the care you have delivered.
If a Patient Reschedules
Spell out in your agreement how you handle date changes and deposits. A change to the surgery date does not automatically change the patient’s loan.
If a Patient Cancels
Set your cancellation and refund terms before the procedure. Any refund or adjustment follows your agreement and the lender’s terms.
Keep your quotes and pricing clear, present financing as one option among several, and send every question about rates and terms to the lender.
Describe procedures and candidacy accurately, put your quote and financial agreement in writing, and frame financing as a way to pay, never as a promise of a specific visual result. For guidance on ethical advertising and informed consent in eye care, practices can look to the American Academy of Ophthalmology.
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If you offer LASIK, PRK, SMILE, implantable lenses, or premium lens upgrades and often hear some version of “I want to do this, but I cannot pay for all of it right now,” financing is likely a strong fit. Giving patients a flexible way to pay keeps cost from ending the consultation and helps more of them schedule the procedure they came in for.
FigCare Pay helps vision and refractive surgery practices build monthly payment options into the consultations they already run. Your patients get a flexible 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 reason a good candidate walks away.
Ready to Add Financing to Your Vision 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. The LASIK average is a national figure from the Refractive Surgery Council and does not reflect any specific practice’s pricing. 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-sale 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.
Yes, LASIK and most vision correction procedures can be financed, because they are elective and paid out of pocket. Patients apply through the practice’s financing link, and if approved, they pay the procedure off in monthly installments while the practice is paid in full upfront.
The patient applies through the practice’s financing link, reviews the monthly payment offers they qualify for, and proceeds if approved. Once the loan funds, the practice receives the full fee and the lender handles repayment, so the patient can schedule the procedure.
LASIK averages about $4,400 for both eyes, according to the Refractive Surgery Council. The actual price varies with the laser technology used, the surgeon, the prescription, and the region, and financing lets patients spread that cost across monthly payments.
Insurance usually does not cover LASIK, because it is considered elective. Some vision plans offer a discount, and many patients use HSA or FSA funds toward the cost, but the rest is typically paid out of pocket, which is why financing is so common.
Patients with less-than-perfect credit may still qualify, because a multi-lender network includes options for a range of credit profiles rather than a single lender’s standards. Approval, rates, and terms are set by the lender based on credit and other factors, and no approval is guaranteed.
Patients commonly finance LASIK, PRK, SMILE, implantable lenses such as EVO ICL, refractive lens exchange, and the out-of-pocket portion of premium lens upgrades at cataract surgery. Eligibility for any specific procedure is determined by the lender.
Interest and repayment terms are set by the lender, not the practice, and patients see their rate before they accept an offer. Some lenders offer promotional or reduced-interest plans, so patients should read the full terms, including any deferred-interest conditions, before choosing an option.
The practice is typically paid in full once the loan funds and any funding requirements are completed. Exact timing depends on the lender and the financing product, so follow the funding steps your financing provider outlines.
Connect with FigCare Pay to discover how flexible financing options can help your patients and support your healthcare business growth.