CareCredit

Health and wellness credit card and pay-later loans that practices enroll to accept
1.8/5 · How we score · United States (nationwide) · Last checked Oct 1, 2026

Score breakdown

7 of 19 checks passed. The score counts what CareCredit publishes, not how well it performs.

1.8/5
Pricing transparency1.3
Terms and commitment0.0
Med spa fit2.5
Proof and track record1.0
Support and onboarding5.0
Show all 19 checks
Pricing transparency · 1/4
  • –Publishes a pricenot found
  • ✓States how it chargessource
  • –States setup or onboarding feesnot found
  • –Lists what each plan or package includesnot found
Terms and commitment · 0/3
  • –States the minimum termnot found
  • –Publishes cancellation or return termsnot found
  • –Offers a free trial, demo, audit or consultationnot found
Med spa fit · 2/4
  • ✓Has a page for this industrysource
  • –Names this industry as its only or a core marketnot found
  • ✓Shows a named client or case study in this industrysource
  • –Lists services or features built for this industrynot found
Proof and track record · 1/5
  • –Publishes a case study with a stated resultnot found
  • –Names its leadership or teamnot found
  • –Publishes its founding yearnot found
  • –Has a third-party review profile with 10 or more reviewsnot found
  • ✓Names clientssource
Support and onboarding · 3/3
  • ✓Lists how to reach supportsource
  • ✓States support hourssource
  • ✓Describes onboardingsource

In one line

Publishes its patient promotional terms, payout timing, support phone numbers and hours, and says it charges no annual or monthly provider fees, but does not publish its processing rates or contract terms.

About CareCredit

CareCredit is a credit card for health, wellness and beauty costs, issued by Synchrony Bank. Practices enroll to accept it, patients apply or check whether they prequalify, and the provider pages say the practice is paid within two business days with no recourse if the patient delays or defaults.

The provider FAQ says the processing rate depends on the financing option used for each purchase and that there are no annual or monthly fees, but the rates themselves are not on the site. Medical spas are one entry in a long list of industries, with their own section on the industries page and a med spa testimonial.

Who it is for

A med spa or cosmetic practice that wants a widely held patient credit card with promotional financing and is fine learning its processing rate from a sales conversation.

Pricing

CareCredit does not publish prices on its website. How it charges: Processing fee deducted from each payout; the rate depends on the financing option used. No annual or monthly provider fees..

Setup fee
Not published
Extra costs
Not published
Minimum term
Not published
Cancellation
Not published

Prices as published on Oct 1, 2026. Confirm current rates with CareCredit.

Services

CareCredit health and wellness credit cardPay Later installment loanPrequalification with no hard credit checkMarketing materials and payment calculator

Key features

Provider paid within two business daysNo recourse to the provider if the patient delays or defaultsNo interest if paid in full within 6, 12, 18 or 24 months on purchases of $200 or moreLonger terms of 24 to 60 months at a reduced APR with fixed monthly payments

Integrations

EpicAditOther practice management software in its partner directory

What it publishes and what it doesn't

On its website

  • ✓ States how it charges
  • ✓ Has a page for this industry
  • ✓ Shows a named client or case study in this industry
  • ✓ Names clients
  • ✓ Lists how to reach support
  • ✓ States support hours
  • ✓ Describes onboarding

Not found on its website

  • – Publishes a price
  • – States setup or onboarding fees
  • – Lists what each plan or package includes
  • – States the minimum term
  • – Publishes cancellation or return terms
  • – Offers a free trial, demo, audit or consultation
  • – Names this industry as its only or a core market
  • – Lists services or features built for this industry
  • – Publishes a case study with a stated result
  • – Names its leadership or team
  • – Publishes its founding year
  • – Has a third-party review profile with 10 or more reviews

Sources

Every fact on this page was read on these pages on the date shown.

  1. carecredit.com/providers
  2. carecredit.com/providers/healthcare-wellness/?industry=med-spa
  3. carecredit.com/providers/testimonials
  4. carecredit.com/providers/faq
  5. carecredit.com/providers/partnerships
  6. carecredit.com/providers/support

More in Patient Financing