Patient Financing for med spas
Patient financing lets a patient pay for treatment over time while the practice is paid up front. This list compares what each provider publishes about merchant fees, terms and approval.
Publish their prices
BoomCloud, Cherry, Beautifi, Medicard
Month to month
BoomCloud
Free trial
BoomCloud
Ranked list
Sorted by score, then by name. How we score.
- 1
BoomCloud is software for running in-house membership plans with automated recurring billing. It began in dental and now lists med spas among the many industries it sells to.
Starting price: $197/mo plus $4.50 per member · Contract: No long-term contract
4.0/5 - 2
Cherry is a payment-plan platform that practices offer to patients at checkout, including pay-in-four and monthly installment plans. Med spas are one of its named main markets.
Starting price: Merchant fee from 1.7% per financed transaction · Contract: Not published
4.0/5 - 3
LendingUSA provides unsecured point-of-sale loans that enrolled merchants offer to customers, with the merchant funded after the borrower signs. Cosmetic and plastic surgery practices are one of several industries it serves.
Starting price: Not published · Contract: Not published
3.1/5 - 4
PatientFi is a point-of-sale financing platform that lets elective healthcare practices offer patients monthly payment plans funded by partner banks. Plastic surgery, med spa and dermatology practices are its first-listed markets.
Starting price: Not published · Contract: Not published
2.6/5 - 5
Beautifi is a Canadian financing company that funds patient loans for cosmetic surgery, non-surgical aesthetic treatments and other elective procedures, and signs up clinics as partners. It also offers equipment financing to clinics.
Starting price: $0 to partner · Contract: Not published
2.5/5 - 6
Alphaeon Credit is a patient financing program that elective healthcare practices enroll in so patients can pay for treatment over time. Its provider site names cosmetics, dermatology and med spas among the practice types it supports.
Starting price: Not published · Contract: Not published
2.4/5 - 7
RepeatMD builds a branded mobile app through which an aesthetic practice sells memberships, treatments and skincare, runs a rewards program and offers patient financing; it sells to med spas, cosmetic dermatology, plastic surgery and similar practices.
Starting price: Not published · Contract: Not published
2.4/5 - 8
FinanceMutual is a patient payment experience platform for healthcare practices that builds a branded checkout delivered in person or by SMS, QR code or link. Med spas and aesthetic clinics are one of six healthcare specialties it lists.
Starting price: Not published · Contract: Not published
1.9/5 - 9
Sunbit provides buy now, pay later payment plans for in-person services such as dental, eye, pet and auto care, sold to merchants and embedded in partner software. Med spas and aesthetics appear as a business type on its demo form.
Starting price: Not published · Contract: Not published
1.9/5 - 10
Advance Care offers patients a credit card for procedures and treatment plans that insurance does not cover, and enrolls providers who want to offer it. Aesthetics is one of many specialties listed on its site.
Starting price: Not published · Contract: Not published
1.8/5 - 11
CareCredit is a health and wellness credit card from Synchrony Bank, with a pay-later installment loan alongside it, that medical spas and other healthcare practices enroll to accept so patients can pay over time.
Starting price: Not published · Contract: Not published
1.8/5 - 12
Medicard, part of iFinance Canada, provides patient loans for cosmetic procedures, plastic surgery and other elective care in Canada, and registers doctors and service providers who offer it to patients.
Starting price: $0 to the provider · Contract: Not published
1.8/5 - 13
United Credit, formerly United Medical Credit, connects customers of enrolled healthcare and retail merchants with loans from a network of lenders. Cosmetic surgeons, plastic surgeons and med spas are among the businesses it enrolls.
Starting price: Not published · Contract: Not published
1.8/5 - 14
Wisetack provides pay-over-time financing that service businesses send to customers by text or email. Elective medical, which the site defines as med spas and elective medical services, is one of its five named markets alongside home services, auto repair, dental and veterinary.
Starting price: Not published · Contract: Not published
1.8/5 - 15
Denefits is payment software that lets a business build a branded checkout offering pay-in-full, financing or payment-plan options and then manages the payments that follow. It sells to healthcare practices, med spas and several non-medical industries.
Starting price: Not published · Contract: Not published
1.4/5 - 16
Credee is payment software for high-ticket businesses that builds custom checkout flows with flexible payment options and subscription plans. Wellness and aesthetics practices are one of several industries it sells to.
Starting price: Not published · Contract: Not published
1.3/5 - 17
PowerPay is a lending platform that connects borrowers, lender partners and businesses for home improvement and patient financing. Its healthcare provider page lists med spas among the categories it finances.
Starting price: Not published · Contract: Not published
1.1/5
Questions and answers
How many patient financing vendors publish their prices?
4 of the 17 vendors in this category publish a price on their website: BoomCloud, Cherry, Beautifi, Medicard. The rest ask you to contact them for a quote.
Which patient financing vendors offer month-to-month terms?
BoomCloud state on their websites that there is no long-term contract.
How is the ranking decided?
Vendors are sorted by a score that counts yes or no checks on what each one publishes: pricing, contract terms, med spa fit, proof and support. Ties are sorted by name. Nobody can pay to move up the ranked list.