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Patient Financing · Med Spa Software

Best Patient Financing for Med Spas

Compiled by MedSpaSoftwares · Updated September 2026

Financing and payment-plan providers medspas offer patients for elective treatments and packages, compared on approval rates, rates, and merchant fees.

MedSpaSoftwares scored 10 companies in Patient Financing against a published, weighted rubric. Cherry leads with a score of 74.7/100. Every company on this list, including #1, carries at least one flagged consideration — see the full profile below for what it is.

No company can pay for a higher score or a better position on this page.
74.7/ 100
#1 Overall

Cherry

Scored September 2026 · Re-verified on a rolling cycle

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✓ Published framework

Our ranking methodology

No company can pay for a higher score or a better position. Every company in this category is measured against the same weighted rubric.

25%
Approval Rate & Accessibility
22%
Interest Rate & Fee Structure
15%
Funding Speed
15%
Merchant Fees to Practice
13%
Loan Amount & Term Flexibility
10%
Credit Score Flexibility
Scoring limits

Scores are shown out of 100 for readability (raw weighted scores are calculated on a 0-10 scale per criterion). Every ranked company, including #1, is required to carry at least one published consideration, so a flawless-looking entry doesn't exist by omission.

Sources

Facts are pulled from G2, Capterra, Trustpilot, BBB, and vendor-published pricing pages, cited on each entry. Where a claim is vendor-only or unverified, we say so rather than presenting it as confirmed.

✓ No paid placement
✓ Same weighted rubric
✓ Sourced facts
✓ Consideration required
The ranking · Top 10

The Best Patient Financing for Med Spas

Each column is one of the weighted criteria above, scored 0–10. Scroll right to see every criterion.

RankCompany
25%
Approval Rate & Accessibility
22%
Interest Rate & Fee Structure
15%
Funding Speed
15%
Merchant Fees to Practice
13%
Loan Amount & Term Flexibility
10%
Credit Score Flexibility
Score
1Cherry8.55.58.56.58.08.574.7
2PatientFi6.57.57.57.58.55.071.3
3CareCredit7.55.07.56.06.57.065.4
4United Medical Credit7.06.06.56.06.57.064.9
5GreenSky6.56.57.06.06.56.064.5
6Ally Lending6.56.56.56.06.06.063.1
7Wells Fargo Health Advantage5.08.07.05.55.55.561.5
8Alphaeon Credit6.05.56.56.06.05.559.2
9Proceed Finance5.56.06.05.56.05.557.5
10Prosper Healthcare Lending5.55.05.06.57.05.056.1

Full profiles

74.7/ 100
#1 of 10

Cherry

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Cherry ranks #1 in Patient Financing with a score of 74.7/100, driven by Up to 90% approval rate, Soft credit check only, and 0%-35.99% APR range.

Category scores (0–10): Approval Rate & Accessibility 8.5 · Interest Rate & Fee Structure 5.5 · Funding Speed 8.5 · Merchant Fees to Practice 6.5 · Loan Amount & Term Flexibility 8.0 · Credit Score Flexibility 8.5

Strengths: Strengths include Up to 90% approval rate, Soft credit check only, and 0%-35.99% APR range.

Weaknesses: The one thing worth checking before you commit: Merchant fees not quantified.

Our Take: The top score here is real, but merchant fees not quantified is worth confirming directly with Cherry before you treat the ranking alone as the final word.

Why it ranked #1: Ranked #1: the highest weighted score in this category (74.7/100) across all 6 criteria.

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71.3/ 100
#2 of 10

PatientFi

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PatientFi ranks #2 in Patient Financing with a score of 71.3/100, driven by $200-$50K loan range and Funds in 1-3 days.

Category scores (0–10): Approval Rate & Accessibility 6.5 · Interest Rate & Fee Structure 7.5 · Funding Speed 7.5 · Merchant Fees to Practice 7.5 · Loan Amount & Term Flexibility 8.5 · Credit Score Flexibility 5.0

Strengths: Strengths include $200-$50K loan range and Funds in 1-3 days.

Weaknesses: Worth checking before you commit: Approval rate not disclosed and Rates disclosed only on request.

Our Take: A defensible pick if approval rate not disclosed isn't a dealbreaker for your practice, but it sits 3.4 points behind the category leader.

Why it ranked #2: Ranked #2: 71.3/100, 3.4 points behind #1 (Cherry) — most of that gap traces to Approval Rate & Accessibility.

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65.4/ 100
#3 of 10

CareCredit

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CareCredit ranks #3 in Patient Financing with a score of 65.4/100, driven by Widely accepted provider network.

Category scores (0–10): Approval Rate & Accessibility 7.5 · Interest Rate & Fee Structure 5.0 · Funding Speed 7.5 · Merchant Fees to Practice 6.0 · Loan Amount & Term Flexibility 6.5 · Credit Score Flexibility 7.0

Strengths: The clearest strength: Widely accepted provider network.

Weaknesses: Worth checking before you commit: 32.99% APR, 39.99% penalty APR, Deferred interest common complaint, and Merchant fees not disclosed.

Our Take: A defensible pick if 32.99% APR, 39.99% penalty APR isn't a dealbreaker for your practice, but it sits 9.3 points behind the category leader.

Why it ranked #3: Ranked #3: 65.4/100, 9.3 points behind #1 (Cherry) — most of that gap traces to Approval Rate & Accessibility.

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64.9/ 100
#4 of 10

United Medical Credit

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United Medical Credit ranks #4 in Patient Financing with a score of 64.9/100, driven by Multi-lender waterfall model, No merchant setup fees, and Max loan just $25K.

Category scores (0–10): Approval Rate & Accessibility 7.0 · Interest Rate & Fee Structure 6.0 · Funding Speed 6.5 · Merchant Fees to Practice 6.0 · Loan Amount & Term Flexibility 6.5 · Credit Score Flexibility 7.0

Strengths: Strengths include Multi-lender waterfall model, No merchant setup fees, and Max loan just $25K.

Weaknesses: The one thing worth checking before you commit: APR and credit min undisclosed.

Our Take: A defensible pick if aPR and credit min undisclosed isn't a dealbreaker for your practice, but it sits 9.8 points behind the category leader.

Why it ranked #4: Ranked #4: 64.9/100, 9.8 points behind #1 (Cherry) — most of that gap traces to Approval Rate & Accessibility.

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64.5/ 100
#5 of 10

GreenSky

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GreenSky ranks #5 in Patient Financing with a score of 64.5/100, driven by ~7.4% merchant fee disclosed and Approval decisions under 5 min.

Category scores (0–10): Approval Rate & Accessibility 6.5 · Interest Rate & Fee Structure 6.5 · Funding Speed 7.0 · Merchant Fees to Practice 6.0 · Loan Amount & Term Flexibility 6.5 · Credit Score Flexibility 6.0

Strengths: Strengths include ~7.4% merchant fee disclosed and Approval decisions under 5 min.

Weaknesses: Worth checking before you commit: Deferred interest, split-rate loans and Ownership sold, less medspa focus.

Our Take: A defensible pick if deferred interest, split-rate loans isn't a dealbreaker for your practice, but it sits 10.2 points behind the category leader.

Why it ranked #5: Ranked #5: 64.5/100, 10.2 points behind #1 (Cherry) — most of that gap traces to Approval Rate & Accessibility.

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63.1/ 100
#6 of 10

Ally Lending

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Ally Lending ranks #6 in Patient Financing with a score of 63.1/100, driven by Ally Bank-backed personal loans, Subject to credit approval, and Used by Ideal Image medspas.

Category scores (0–10): Approval Rate & Accessibility 6.5 · Interest Rate & Fee Structure 6.5 · Funding Speed 6.5 · Merchant Fees to Practice 6.0 · Loan Amount & Term Flexibility 6.0 · Credit Score Flexibility 6.0

Strengths: Strengths include Ally Bank-backed personal loans, Subject to credit approval, and Used by Ideal Image medspas.

Weaknesses: The one thing worth checking before you commit: Rates and fees undisclosed.

Our Take: A defensible pick if rates and fees undisclosed isn't a dealbreaker for your practice, but it sits 11.6 points behind the category leader.

Why it ranked #6: Ranked #6: 63.1/100, 11.6 points behind #1 (Cherry) — most of that gap traces to Approval Rate & Accessibility.

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61.5/ 100
#7 of 10

Wells Fargo Health Advantage

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Wells Fargo Health Advantage ranks #7 in Patient Financing with a score of 61.5/100, driven by Promo APR as low as 9.99% and Bank-grade underwriting, tighter approvals.

Category scores (0–10): Approval Rate & Accessibility 5.0 · Interest Rate & Fee Structure 8.0 · Funding Speed 7.0 · Merchant Fees to Practice 5.5 · Loan Amount & Term Flexibility 5.5 · Credit Score Flexibility 5.5

Strengths: Strengths include Promo APR as low as 9.99% and Bank-grade underwriting, tighter approvals.

Weaknesses: Worth checking before you commit: Deferred interest standard structure and Merchant fees not disclosed.

Our Take: A defensible pick if deferred interest standard structure isn't a dealbreaker for your practice, but it sits 13.2 points behind the category leader.

Why it ranked #7: Ranked #7: 61.5/100, 13.2 points behind #1 (Cherry) — most of that gap traces to Approval Rate & Accessibility.

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59.2/ 100
#8 of 10

Alphaeon Credit

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Alphaeon Credit ranks #8 in Patient Financing with a score of 59.2/100, driven by 640+ credit score needed and 32.99% regular APR.

Category scores (0–10): Approval Rate & Accessibility 6.0 · Interest Rate & Fee Structure 5.5 · Funding Speed 6.5 · Merchant Fees to Practice 6.0 · Loan Amount & Term Flexibility 6.0 · Credit Score Flexibility 5.5

Strengths: Strengths include 640+ credit score needed and 32.99% regular APR.

Weaknesses: Worth checking before you commit: Deferred interest promo risk and Restricted-use, limited providers.

Our Take: A defensible pick if deferred interest promo risk isn't a dealbreaker for your practice, but it sits 15.5 points behind the category leader.

Why it ranked #8: Ranked #8: 59.2/100, 15.5 points behind #1 (Cherry) — most of that gap traces to Approval Rate & Accessibility.

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57.5/ 100
#9 of 10

Proceed Finance

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Proceed Finance ranks #9 in Patient Financing with a score of 57.5/100, driven by Meets or beats ask 90%, Transparent 8.99%-10.99% APR, and Terms up to 12 years.

Category scores (0–10): Approval Rate & Accessibility 5.5 · Interest Rate & Fee Structure 6.0 · Funding Speed 6.0 · Merchant Fees to Practice 5.5 · Loan Amount & Term Flexibility 6.0 · Credit Score Flexibility 5.5

Strengths: Strengths include Meets or beats ask 90%, Transparent 8.99%-10.99% APR, Terms up to 12 years, and Funds next business day.

Weaknesses: No specific caution surfaced in our research for Proceed Finance yet — that reflects the current state of the evidence, not a clean bill of health.

Our Take: A solid option 17.2 points behind the category leader, with no specific caution in our research so far — worth a closer look if the leader doesn't fit your practice.

Why it ranked #9: Ranked #9: 57.5/100, 17.2 points behind #1 (Cherry) — most of that gap traces to Approval Rate & Accessibility.

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56.1/ 100
#10 of 10

Prosper Healthcare Lending

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Prosper Healthcare Lending ranks #10 in Patient Financing with a score of 56.1/100, driven by $2K-$50K, 2-6yr terms and WebBank-issued fixed-rate loans.

Category scores (0–10): Approval Rate & Accessibility 5.5 · Interest Rate & Fee Structure 5.0 · Funding Speed 5.0 · Merchant Fees to Practice 6.5 · Loan Amount & Term Flexibility 7.0 · Credit Score Flexibility 5.0

Strengths: Strengths include $2K-$50K, 2-6yr terms and WebBank-issued fixed-rate loans.

Weaknesses: Worth checking before you commit: APR and approval rate undisclosed and Credit score minimum undisclosed.

Our Take: A defensible pick if aPR and approval rate undisclosed isn't a dealbreaker for your practice, but it sits 18.6 points behind the category leader.

Why it ranked #10: Ranked #10: 56.1/100, 18.6 points behind #1 (Cherry) — most of that gap traces to Approval Rate & Accessibility.

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