No Interest if Paid in Full within 6, 1 2, or 18 months*
Interest will be charged to your account from the purchase date if the promotional (promo) purchase is not paid in full within the promotional period. Minimum monthly payments required. Required monthly payments may or may not pay off purchase before end of promotional period.
Optional Equal Monthly Payments
- May be greater than the required minimum monthly payment that will be on your billing statement for the amount financed.
- Equals the promotional purchase amount divided by the number of months in the promotional period.
- Would pay off the purchase amount within the promotional period, but only if there are no other balances on your account at any time during the promotional period and you make your payments on time. Your total payments will equal the amount of the promotional purchase amount.
- If the promotional purchase is not paid in full within the promotional period, interest will be charged to your account from the purchase date and your total payments will be greater than the amount of the promotional purchase amount.
Not all enrolled healthcare providers offer all promotional financing options. Please ask your provider for details. For purchases less than $200, standard account terms apply.
Standard Account Terms
Your CareCredit creclit card‘s standard account terms apply for non-promotional purchases. This includes purchases under $200 and at retail locations where promotional financing is not available. Use your CareCredit credit card for things that might cost less than $200, like chiroprac tictreatment, teeth whitening products, co payments, skin care products, pet care supplies, prescri ptions, and for other non- promotional purchases.
May be best when:
- You want to avoid paying any interest
- You prefer the flexibility to pay more or less in a given month
- You plan to pay off the purchase completely within the promotional period
No Interest if Paid in Full within 6, 12, or 18 months* For purchases of $200 or more
|Amount Financed||Optional Monthly Payment||Optional Monthly Payment||Optional Monthly Payment|
†Required minimum monthly payment ($29) will result in payoff before the promotional period ends.
*No interest will be charged on the promo purchase if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo purchase from the purchase date. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. For new accounts: Purchase APR (interest rate) is 26.99%; Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
Reduced APR and Fixed Monthly Payments Required until paid in Full**
On qualifying purchases made with your CareCredit credit card account at enrolled locations in the CareCredit Provider Network.
May be best when:
- You like knowing what your payment will be, and paying the same amount every month
- You prefer to avoid any chance of paying more interest - or paying for longer - than you had planned
Reduced APR and Fixed Monthly Payments Required until Paid in Full**
|APR and Promotional Period||For purcheses of $1,000 or more||For purcheses of $2,500 or more|
|14.90% for 24 Months||15.90% for 36 Months||16.90% for 48 Months||17.90% for 60 Months|
|Amount Financed||Fixed Monthly Payment^||Estimated Total Payments||Fixed Monthly Payment^||Estimated Total Payments||Fixed Monthly Payment^||Estimated Total Payments||Fixed Monthly Payment^||Estimated Total Payments|
**Interest will be charged on promo purchases from the purchase date.
Fixed monthly payments are required until paid in full and will be calculated as follows:on 24-month promotions - 4.8439% of initial promo purchase amount; on 36-month promotions - 3.5108% of initial promo purchase amount; on 48-month promotions - 2.8803% of initial promo purchase amount; on 60-month promotions - 2.5339% of initial promo purchase amount. The fixed monthly payment will be rouned up to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promo purchases. For new accounts: purchase APR is 26.99%;minimum Interest Charge is $2. Existing cardholders: see your credit card agreement terms. Subject to credit approvel.
^IMPORTANT INFORMATION ABOUT THE MONTHLY PAYMENTS OPTIONS:
Monthly payments shown in the table should allow youto pay in full the curresponding Amount Financed within the Estimated Payoff period if this amound is and will be the only balances on your account during the promotional period and you make your monthly payments by the due date each month. If you have any additional balances on your account at any time during the promo period the monthly required payments applicable to those balances will be added to the fixed payment required and such balance may impact how payments are applied to your promotional purchase.