What to expect

Real numbers before you apply, so nothing about your plan is a surprise.

The basics

Amount you can financeYour procedure cost, less your down payment
How long you pay12 – 72 months
RateFixed for the whole plan
Paying off earlyNo penalty, ever
Checking your optionsSoft check, no score impact

Your rate and how long you pay depend on your credit and on the plan your doctor's office offers. You see both before you sign anything.

An example plan

Procedure cost$24,500
Down payment$4,900
Amount financed$19,600
How long you pay60 monthly payments
Annual Percentage Rate (APR)14.9%
Your monthly payment$465

An example only, not an offer of credit. The payment is rounded to the nearest dollar. Your own numbers depend on your credit and your doctor's plan, and you get them in writing before you agree to anything.

The real cost of "no interest".

Deferred-interest medical credit cards charge nothing if you clear the balance in time. Miss by a dollar and every month of interest is charged back to day one.

~40%of subprime cardholders don't pay off before the promo ends
$1Bin deferred interest paid on medical cards over three years

Your situation

Be honest with yourself. This is the number that decides everything.

The rate on the card's own paperwork. It applies to the whole balance, from the purchase date, if the promo is missed.

No-interest card

Deferred interest
Paid off in
Interest paid
Total paid

cutie.fi plan

Paid off in
Interest paid
Total paid

Card figures illustrate a deferred-interest medical credit card at the APR you set; check your own card agreement. cutie.fi APRs shown are representative fixed rates with autopay for the credit tier selected. Your practice sets the range it extends, and your exact APR, payment, and term are disclosed before you agree to anything. Sources: CFPB, Medical Credit Cards and Financing Plans, May 2023.

A few months at 0% or a lower rate the whole way?

Promos end. Your balance doesn't. See what the same procedure costs over the same term.

Same procedure, same term

Assumes the promo is a true 0% for these months with no retroactive charge. The calculator above covers what happens when it isn't.

Card with promo

0% for the promo, then your card APR
Monthly payment
Interest paid
Total paid

cutie.fi plan

Monthly payment
Interest paid
Total paid

Both plans are paid in level monthly installments over the term you choose. cutie.fi APRs shown are representative fixed rates with autopay for the credit tier selected; your practice sets the range it extends, and your exact APR, payment, and term are disclosed before you agree to anything.

Ready when you are.

Check in about two minutes without harming credit.

See my monthly payment
Waiting room

You're in the waiting room.

cutie.fi isn't taking applications quite yet. Unlike a real waiting room, we'll actually tell you when it's your turn.

Your number1Now serving: no one, yet
Tell me when it opens

Or reach a person: info@cutie.fi · 855-600-0077