Capital One Healthcare Finance has the first patient payment program designed specifically for orthodontic treatment. The program offers no down payment financing with some of the lowest rates and longest terms available. There are no gimmicks or surprises, and using Capital One Healthcare Finance will increase your case acceptance.

Implementing Capital One Healthcare Finance offers you and your patients the following benefits:

Increase Case Acceptance
Increase Gross Revenue and Profitability

Do you know why some of your patients come in for consultation, but never schedule treatment? In many cases, the reasons can be financial. Capital One Healthcare Finance provides these patients with affordable options, that allow them to pay for their treatment on a timetable that is more comfortable for them.

Orthodontists using our program have found that more patients move forward with treatment when given an option to use an affordable payment plan. Many patients using our programs have indicated that they would not have had treatment if our programs were not available. Converting more patients like these from consultation to treatment has dramatic results on your practice's revenue. Register today to find out what effect we will have on your practice.

| back to top |

High Approval Rates

Our wide variety of payment options, allow us to approve more patients. This will allow the patient to start treatment right away. More patients starting treatment means higher revenues for you.

Low fixed rates ranging from 1.99% to 25.99% APR
Low monthly payments

Many patient financing plans only approve patients at very high interest rates. The result? Fewer patients will opt to move forward with the payment plan, and thus the treatment. Capital One Healthcare Finance understands that a payment plan is not useful if patients don't find it an affordable option. That's why we offer our patients fixed rates, as low as 1.99%* APR. The patient chooses the term that fits within their budget. We will provide your staff with easy to use payment charts, which will show your patients what their monthly payments would be for a given term. This way the patient can make the best choice for what fits their individual budget needs.

| back to top |

No sign-up fees, annual fees or equipment to purchase
No additional work for your staff

With Capital One Healthcare Finance, your practice does not have to spend valuable time completing paperwork, or having awkward discussions with patients about credit decisions. Capital One Healthcare Finance will take applications directly from your patients, either over the phone or through our secure website. Patients can call directly from your practice, and we will provide them with a credit decision within 15 minutes. Patients can also choose to apply from their home, and we will inform them of our credit decision in up to 2 hours.

Getting paid is easy. Once we receive a signed contract from your patient, we will issue your office a payment within 24 hours, even before your patient starts treatment.

| back to top |

Interest Free Option
Capital One Healthcare Finance offers those patients concerned with paying interest the opportunity to take advantage of a variety of Interest Free Options. The minimum amount eligible for interest-free is $300 and the maximum is $40,000. Please contact your sales consultant toll free 1.877.559-5050 for more information.

| back to top |

* Rates for our program range from 1.99% APR to 25.99% APR. The APR available to you will be determined by the term for which you apply and your credit standing. These rates are available for a limited time only and are not available in all areas.

** Interest-free options not currently available in all areas. Please note that a 22.99% retroactive APR will be applied to the balance of your loan if not paid in full by the end of the interest-free period. To calculate the finance charges, we will multiply your daily principal balance during the interest-free period by your interest rate of 22.99% APR. We will then add this interest charge to the balance of your loan. Please note that our 3 month interest-free loan is a 24 month fixed rate loan with a 3 month interest-free period. Similarly, all other interest-free loans are 48 month fixed rate loans with stated interest-free periods.