Honest procedure financing

Forget everything you know about procedure finance.

Skip the forms. Tell the agent what you need and it checks your real options in two minutes — honest terms, the same fair deal for everyone.

Soft credit check — no impact on your score

Fair by design: the same honest deal for everyone — no sales reps, no special deals, nothing to game. Your terms reflect your (and any co-borrower's) credit, and the more you share, the better we can do.

✓

$142/mo

Fixed. For 12 months. Done.

Why we exist

The financing industry bets you won't read the fine print.

The usual playbook

✕Deferred-interest "0%" that bills 30%+ retroactively the day you slip
✕Default rates that punish a single late payment
✕Terms buried in PDFs nobody reads
✕Built to profit most when you struggle

The cutie.fi way

✓Teen-range APR, fixed for the life of the plan — not the 30s
✓One missed payment never changes your terms
✓Plain-language terms you can read in a minute
✓Built to profit only when you succeed

How it works

Four steps. Two minutes. Zero gotchas.

Checking your options never touches your credit score. You only see plans you can actually afford.

STEP 01

Pick your plan

Tell us your practice, your procedure, and the total cost. We show options instantly — no hard credit pull.

STEP 02

We tailor your terms

Down payment, monthly, term — clear total, clear end date, all transparent up front. What you see is the whole deal.

STEP 03

Sign it

One screen, one tap. No paperwork, no waiting room, no surprises hiding below the fold.

STEP 04

Show up

Your provider gets paid and your date confirms. You pay on a schedule built around your budget — not the maximum we could extract.

Honest by design

Four promises we put in writing.

Soft credit check

A private result. No hard pull on your file, no public denial, no shame — just your real options.

Teen-range rates

We run in the teens, not the 30s. No bank-leverage tax dressed up as interest, and the rate never balloons.

Payments you can afford

Real monthly numbers, set transparently up front and termed to your budget. No teaser rates, no traps.

No surprise spikes

None of that deferred-interest trick that bills you at 30%+ when you miss by a day. The rate we state is the rate you pay.

Patient stories

Real people. Real plans. No surprises.

“

I walked out of the clinic with a payment I actually understood. No surprises on the statement — it's exactly what they told me.

Maya R.

Dental implant · $3,200

“

Other plans wanted to bury me in retroactive interest. cutie.fi just didn't. Same rate, start to finish.

Devon K.

LASIK · $4,800

“

One late payment and I braced for a penalty spiral. Nothing changed. That's the whole reason I trust them.

Priya S.

Fertility treatment · $11,500

Healthcare is hard enough. Paying for it shouldn't be a trap.

We built cutie.fi for the moment after the doctor says "here's what it'll cost." You should walk out with a plan that's clear, fair, and genuinely yours — not a contract designed to outsmart you.

Already with us

Welcome back.

See your balance, make a payment, update your card, and view your procedures — all in one place.

Patient log in →

For verified practices

Run a practice?

See how cutie.fi grows your case mix and your margin on the same surgical hour. Verification required.

Practice access →

See your honest plan in two minutes.

No hard credit pull. No obligation. Just a clear number you can actually plan your life around.

Start my application →