A patient-friendly payment option designed for YOU.

Our Approach
is Different

Care Cap Plus is not not a credit card, a lender, or a loan broker. We work directly with your healthcare provider, enabling them to offer you zero interest, no fee, 12-month payment plans for any high-deductible, self-pay, elective procedure or out-of-pocket medical expenses. Checking your eligibility does not affect your credit score – EVER!


4 Reasons to Use Care Cap Plus


Access the
Care You Want

You can use Care Cap Plus with any provider, whether they are in your network or not, to pay for elective procedures not covered by insurance or high-deductibles.


Overcome Low
Credit Scores

If you were denied a medical credit card or loan due to a low credit score, bankruptcy, tax or child support liens, Care Cap can help you.


Avoid Hidden Fees
and Surprise Interest

Unlike medical credit cards, Care Cap Plus never charges you interest or fees.


Easy Application

Your provider will help you complete an easy and instant online application. Once enrolled in a payment plan, you will be offered several convenient payment options.

Compare Your Choices

Care Cap Plus

  • Mininum credit score
    as low as 400
  • Credit Impact: No hard check
  • Zero interest & fees
  • Automated monthly payments deducted through ACH

Care Credit

  • Minimum credit score
    of 600 or higher
  • Credit Impact: Hard credit check
  • 0% to 26.99% APR
    Deferred retroactive interest if not paid in full during promotional period.
    26.99% APR
    Deferred and retroactive interest
  • Patients make monthly payments via Care Credit app or website Through exclusive CareCredit cardholder account.

Scratch Pay

600 - 700
  • Minimum credit score
    of 600 - 700
  • Credit Impact: Hard credit check
  • 0% to 13.99% APR
    Late fees apply.
    Varying checkout fees.
  • Bank account, debit card and credit card payments.

Green Sky

  • Minimum credit score of 650
  • Credit Impact: Hard credit check
  • 4.99-23.99% APR
    Transaction fees and deferred interest
    Pay a small fee each time a transaction is made
    Deferred interest
  • Pay online ACH, check or phone call. Credit cards not accepted. Online bank account or check

It has been so helpful to spread my payments out over time without interest or affect on my credit score.

- Patrice A.

Care Cap Plus was a Godsend. Thank you for working with me and the opportunity to pay over time. I would not have been able to pay for my…

- Maria T.

Thanks for being so helpful and courteous during such a tough year!

- Gregory M.

I would be far more likely to visit my local hospital knowing that they offer Care Cap Plus. I wouldn’t have had any way to pay off my balance…

- Marianne M.

The Care Cap Plus service is great!

- Josephine P.

Without Care Cap Plus, I would never have been able to pay off my hospital bills. I will go back when necessary knowing that Care Cap Plus is available.

- Shannon C.

Thank you for the flexibility when it comes to payment date. I have run into some difficult situations this year and Care Cap Plus gave me the payment options…

- Justina B.

Amazing customer service, needed to call once and someone picked up the phone and helped immediately. The reps are so nice!

- Sabreen A.

Spencer was super helpful and very nice. Without Care Cap Plus I wouldn’t have been able to afford my medical bills.

- Ann G.

I applied for Care Credit but ended up not not using it, after having a difficult experience. They canceled my card the morning of my procedure. Care Cap Plus…

- Meri M.

Had a horrible experience with Care Credit and I am so happy there are other options out there like Care Cap Plus.

- Rosario Y.

The Care Cap Plus program is extremely easy to manage. It is “set it and forget it.” It’s a super option.

- Kevin M.

Care Cap Plus is very convenient. I love that the payments are automated and that I get an email receipt. I never need to do anything to make a…

- Scott B.

Keep up the good work! Care Cap Plus is very responsive, very informative and helpful!

- Joy M.

Spencer was super helpful and very nice. Without Care Cap Plus I wouldn’t have been able to afford my medical bills.

- Erica S.

Get The Care You Need

Click Provider Directory to see if your provider offers Care Cap Plus.

Can't find your medical provider?
No problem! We’ll contact your provider and invite them to enroll with Care Cap Plus.