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  2. Loan & Credit Requirements

Loan & Credit Requirements

Explore everything related to eligibility and approval criteria for PatientFi loans, including income and credit requirements, age limits, and residency eligibility. Here, you’ll also find information on loan terms, pre-repayment options, and how to manage multiple loans under one account if applicable.

Eligibility & Approval

  • What Does PatientFi Review During the Application Process?
  • Do I have to remove a credit freeze to apply?
  • Can I apply again after a denial?
  • Does being declined affect my credit score?
  • How do I Re-Apply?
  • Can I Apply to PatientFi Before Unfreezing My Credit?
  • See all 11 articles

Loan Terms & Options

  • What are the fixed rate term details?
  • What are the 0% term details?
  • Will I still have access to my PatientFi account after paying off my loan?
  • If I pay more than the minimum towards my loan, will my monthly payment decrease?
  • Are there any pre-repayment penalties if I want to pay off my loan sooner?
  • How Are Interest Rates Calculated?
  • See all 7 articles
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© 2025 PatientFi, Inc. All Rights Reserved. Irvine, California 92618. NMLS ID #1719196 is not a bank. Financing credit is extended by participating banks and credit unions for the purchase of goods and/or services from participating healthcare providers. Loans require an application and are subject to credit approval. See patientfi.com/lending-partners for more information.
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