The fundyourpatient.com page from ePay Finance presents a direct-to-patient consumer financing solution for healthcare services. Patients can apply for loans ranging from $1,000 to $50,000, with terms of up to 60 months. It is designed for clinics that want to offer patients installment-based financing options.
The workflow is relatively straightforward: the patient submits a single application, the system returns a credit decision within seconds, and loan offers are then shown to the patient. After the patient electronically signs the loan agreement and submits the required documents, funds are provided 3 to 5 days after the loan is completed. The clinic then receives a funding notification and collects the service fee from the patient. The key point of this model is that the funds go directly to the patient, rather than the platform settling directly with the clinic.
The pricing information is disclosed fairly clearly. For clinics, there is a fixed discount fee of 4.99%, which ePay charges 10 days after the patient receives the funds, and the discount applies only to the invoiced amount that has been collected. For patients, interest rates range from 6.00% to 36.00%, and loan origination fees range from 0.00% to 6.00%. From the clinicβs perspective, the fee structure is simple; from the patientβs perspective, however, the maximum interest rate is relatively high, and the actual financing cost depends on the patientβs credit profile.
The page states that applicants with a FICO score as low as 600 may be approved, and it supports βCheck Your Rate,β allowing patients to view approval terms without affecting their credit score. This indicates some level of pre-qualification and credit decisioning capability. However, the main content does not disclose specific compliance licenses, lending partners, covered regions, data security measures, anti-fraud controls, or any API, payment methods, or integration capabilities with clinic management systems.
The advantages are fast approvals, a relatively broad loan amount range, and terms of up to 60 months, making it suitable for high-ticket services such as dentistry, medical aesthetics, and self-pay healthcare. The drawbacks are that clinics need to collect payment themselves after the patient receives funds, creating some accounts receivable management pressure; meanwhile, the limited public information makes it difficult to assess licensing, service support, and system integration capabilities.
Access from mainland China is not stated in the main content, so it should be considered unknown. If Chinese organizations are looking for similar solutions, they should carefully verify local compliance requirements and restrictions on cross-border lending. Comparable healthcare installment financing services include CareCredit, Cherry, Sunbit, Proceed Finance, and LendingClub Patient Solutions.
β This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on fundyourpatient.com official site.
fundyourpatient.com is an United States Payments provider. TG4G tracks its product information, with monthly pricing from $1,000.00, an overall rating of 6.0/10, and a China-accessibility score of Limited (proxy recommended). Click "Visit Official Site" to reach fundyourpatient.com directly.