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Benefits and Details

Why choose a vision loan from Capital One® Healthcare Financesm? Because it's simple, fast and flexible. Fill out an application online and get a decision within minutes.

  • Fixed rates starting at 1.99% APR*
  • Low monthly payments that never change
  • Terms up to 60 months
  • No prepayment penalty
  • No hassle application and online decision in minutes
  • Interest-free options available**



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Upon approval, your actual monthly payment will be provided with your official loan documents.


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The ability to schedule surgery when it's convenient for you, at a cost that fits your budget, isn't the only reason patients use Capital One Healthcare Finance. There are lots of additional benefits:

No Initial Payment for Four Weeks
Your first monthly payment won't be due until four weeks from the date we receive your signed contract.

Fixed Rate Advantage
We offer low, fixed rates—lower than most credit cards. Unlike the variable rates offered by credit cards, Capital One Healthcare Finance's rates are fixed for the entire length of your payment term.

Advantages over Other Patient Financing Companies
We offer low, fixed rates with a simple, quick application process—get an answer within minutes.

Freedom to Choose
Our program gives you greater freedom to choose a specialist you trust. We're one of the largest patient financing companies in the country, and with over 30,000 providers in our network, we may already work with the physician of your choice.

 * 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.