Best patient financing for med spas (2026)

How is this list ranked?

Every company here gets a score computed from yes or no checks on what its own website publishes.

The checks sit in five weighted groups: pricing transparency counts for 25% of the score, terms and commitment, med spa fit and proof and track record count for 20% each, and support and onboarding counts for the last 15%.

The score measures how much a buyer can check before a sales call, not how good a product is, and nobody can pay to change a place in the list.

The rubric is on how we score, and the patient-financing category page ranks the same companies alongside the membership and rewards software this list leaves out.

What kinds of patient financing can a med spa offer?

Three product types appear in this slice, and they differ in who carries the credit risk and how the practice pays.

Credit card and credit line programs give the patient a card or a line to spend at the practice: CareCredit pairs a health and wellness credit card with a Pay Later installment loan in one application, Alphaeon Credit offers patient credit lines with no-interest-if-paid-in-full promotional plans, and Advance Care Card publishes up to 15 months interest-free for patients.

Installment and pay-over-time loans pay the practice while the patient repays the lender: LendingUSA, PatientFi, Beautifi, Medicard, PowerPay, United Credit, Wisetack, Sunbit and Cherry all sell some version of this, from installment loans to a multi-lender marketplace to pay-in-four plans.

Checkout and payment-plan software: Credee, Denefits and FinanceMutual build a branded checkout that presents payment plans or subscriptions; Denefits publishes automated payment reminders and FinanceMutual publishes a recovery sequence for missed payments.

How to choose patient financing for a med spa walks through that choice in detail.

Which companies publish a price before you call?

3 of the 15 publish a starting price: Cherry at a merchant fee from 1.7% per financed transaction, Beautifi at $0 to partner and Medicard at $0 to the provider.

The other 12 publish no starting price; 9 of the 15 do describe how they charge, and 6 of those 9 give no number: CareCredit says its processing rate depends on which financing option a purchase is processed with, PatientFi and Alphaeon Credit send rates after a request, and Wisetack says a per-transaction fee is deducted from the treatment payment.

7 of the 15 publish a setup fee, and all 7 say there is none.

None of the 15 publishes an extra cost, and the one monthly price published in the category belongs to the membership software this list leaves out.

How much patient financing costs collects the published prices and fee terms for the whole category.

What do these companies not publish?

None of the 15 publishes a minimum term, so the length of the commitment is a sales-call question rather than something a website answers.

None of the 15 publishes a free trial either.

2 of the 15 publish cancellation terms, and neither states how a practice ends the agreement: Cherry covers patient refunds and prorated merchant fees, and LendingUSA covers cancelling a signed loan by email or phone.

7 of the 15 name a client, and 3 publish a case study result: Cherry says Bodify CoolSculpting did over $1 million with it, PatientFi says CC Plastic Surgery grew revenue 20%, and Sunbit says Bella Vita Med Spa saw 2X higher treatment values.

Which ones connect to med spa software?

9 of the 15 publish an integration.

Sunbit lists Aesthetic Record, Zenoti, Kenect, Stripe, Weave and Podium, and its Bella Vita Med Spa case study runs on Aesthetic Record.

Cherry integrates with Allē, the Allergan Aesthetics loyalty program, and PatientFi integrates with ASPIRE Galderma Rewards.

Wisetack says it is embedded in 50+ software tools, and CareCredit publishes a partner directory of practice management integrations that includes Epic and Adit.

FinanceMutual publishes integration with med spa booking and practice management platforms, and Denefits and Credee each publish integration with CRM, practice management and billing systems. None of the three names an individual platform.

Which patient lenders work in Canada?

2 of the 15 publish Canada coverage: Beautifi and Medicard.

Beautifi publishes loan amounts from $1,000 to $50,000 with 0% financing options, and says the clinic is paid directly, typically between one day and six weeks before the procedure.

Medicard publishes loans from $500 to $50,000 on terms from 12 to 84 months at no cost to the provider, and can pay up to four weeks before the procedure.

Of the other 13, 6 publish United States coverage and 7 publish no coverage at all.

What should you ask on a sales call?

• Ask for the fee on each financed transaction by plan type, since CareCredit says the rate depends on the financing option used and PatientFi and Alphaeon Credit send rates only after a request.
• Ask for the minimum term and for how the practice ends the agreement, because none of the 15 publishes either.
• Ask who carries the credit risk if a patient does not pay: Cherry says it takes the risk, CareCredit says there is no recourse to the provider, and PatientFi says a missed patient payment costs the practice nothing.
• Ask how fast the practice is paid; published answers include 2-3 business days at Cherry, typically 3-5 business days at LendingUSA once loan documents are signed, and payment up to four weeks before the procedure at Medicard.
• Ask what comes with the service, since 12 of the 15 describe onboarding and 11 publish support hours.