generated: '2026-08-26'
method: searched
source: https://patientfi.com/lending-partners
plan_count: 2
note: >-
  TWO CONSUMER LOAN PRODUCTS ARE PUBLISHED WITH REAL RATES AND TERMS; NO API OR PLATFORM
  PRICING IS PUBLISHED AT ALL. PatientFi's public "rates and terms" surface is the Lending
  Partners page, which names the bank partners, states the APR range, and gives worked
  repayment examples — that is the pricing this artifact captures. What is NOT published is
  the other half of the economics: the practice-side processing fee, and any pricing for API
  or enterprise integration. PatientFi's own provider help center says the practice fee
  structure "is established during the underwriting process when your practice first enrolls
  as a PatientFi partner", and there is no /pricing/ page in the site's page sitemap.
pricing_model: consumer-lending + negotiated-merchant-fee
publishes_public_pricing: true
publishes_api_pricing: false
currency: USD
plans:
- name: Fixed Rate Plan
  type: installment-loan
  billing_period: monthly
  apr_min: 6.99
  apr_max: 32.99
  apr_note: >-
    "the 6.99% APR assumes excellent credit and enrollment in monthly autopay. Actual APR
    may be higher for approved applicants. Subject to credit approval."
  terms_months_documented: [12, 84]
  max_amount: 60000
  max_amount_note: >-
    llms.txt states approvals up to $60,000; the /enterprise/ page states up to $50K. Both
    figures are published by PatientFi and are recorded without reconciliation.
  examples:
  - amount: 1000
    term_months: 12
    monthly_payment_range: "86.52 - 98.96"
    total_cost_range: "1038.24 - 1187.57"
  - amount: 10000
    term_months: 84
    monthly_payment_range: "150.88 - 306.31"
    total_cost_range: "12673.92 - 25729.67"
  prepayment_penalty: none
  prepayment_evidence: https://provider.patientfi.com/hc/en-us/articles/50863382309779-Pre-payment-Penalties
  source: https://patientfi.com/lending-partners
- name: Promo Plan (No Interest Promotion)
  type: deferred-interest-promotional-loan
  billing_period: monthly
  promotional_periods_months: [3, 6, 9, 12, 18, 24]
  terms: >-
    "you pay no interest if the loan is paid off in full during the Promotional Period. The
    Promotional Period begins when your Provider is funded. Interest is charged during the
    Promotional Period, but will be waived if the purchase balance is paid in full before the
    end of the Promotional Period. Making minimum monthly payments will not pay off the entire
    purchase balance before the end of the Promotional Period."
  availability: >-
    "Not all Promotional Plans may be offered by your Provider and are subject to approval."
    A practice admin selects which terms to offer under Administration > Loan Settings.
  source: https://patientfi.com/lending-partners
  evidence:
  - https://provider.patientfi.com/hc/en-us/articles/52342243272595-No-Interest-Promotion-Plans
  - https://provider.patientfi.com/hc/en-us/articles/50865193680531-Promo-Interest-Calculation
lending_partners:
- name: Lead Bank
- name: Optum Bank
lending_partner_note: >-
  "PatientFi is not a bank. PatientFi works with several bank and credit union partners to
  help connect qualified borrowers to financing... PatientFi, Inc. is the Program administrator
  and provides servicing for the PatientFi Program loans on behalf of participating financial
  institutions."
not_published:
- item: Provider processing fee
  set_by: PatientFi underwriting at practice enrollment; varies per practice and per loan term
  evidence: https://provider.patientfi.com/hc/en-us/articles/50824532987283-Provider-Fees
  visible_where: >-
    Administration > Loan Settings in the authenticated provider portal shows the min/max
    amount and the processing fee per term — never publicly.
- item: Autopay APR reduction amount
  evidence: https://provider.patientfi.com/hc/en-us/articles/50864528539411-Autopay-APR-Reduction
- item: API / integration pricing
  note: >-
    The /enterprise/ page's only cost statement is "Custom builds? No problem—included at no
    cost." There is no developer plan, no metered API pricing and no self-serve API tier.