CareCredit is a company that provides patients with credit for their elective procedures, offering short-term, 0% interest payment plans and low-interest, extended payment plans. CareCredit has no up-front costs, no fees and no pre-payment penalties.

Simple monthly payments on your credit card

Choose from 3, 6 or 9 payments

We have partnered with Splitit to offer you a simple way to split the cost without the need to take out a new loan. Just use your existing credit card and you can choose to pay in 3, 6 or 9 installments, helping you manage your cash flow. There’s no additional interest, fees, applications or credit checks*.

How it works

Paying with Splitit is easy, secure, and convenient because it makes use of the credit you already have.

Step 1: Please ask for a Splitit link or QR code. You can receive the link via an email or SMS.

Step 2: Open the payment link on your browser or smartphone, complete your credit card details. You must have the full purchase amount available on your card.

Step 3: Choose your preferred plan from 3, 6 or 9 monthly payments and complete the transaction. A temporary authorization will be placed on your card for the full purchase amount.

Step 4: The first payment will be taken now. Each subsequent payment will be taken on the same day each month. No additional steps are required.

Frequently Asked Questions:
1) Is this a loan? No, this is not a financing or lending product. We use the available credit on your existing credit card, that’s why there are no new applications or credit checks.

2) What cards can I use? We accept VISA, Mastercard, and American Express. (Debit cards are not accepted).

3) Can I pay off my plan early? Yes. This option is always available on the Splitit portal, or you can contact customer care for assistance.

4) Do I have to pay interest charges on my purchase? When you make a purchase with Splitit, you will only be charged for one installment each month. The balance is reserved on your credit limit. Splitit will not charge interest or fees but your regular credit card terms will apply.

5) Will this affect my credit score? There is no impact on your credit score. Each installment will show up as a normal charge in your account, with the rest of the total marked as “pending.” Even if a payment is declined, there’s no impact on your credit rating.

6) What is the difference between a payment and an authorization? When you use Splitit for a purchase, there are two main things happening:

1. Payments: Regular installments that are charged to your card each month to cover the cost of your purchase. The first payment is taken right away, and the remaining payments are automatically deducted each month.

2. Authorizations: The full remaining balance of your purchase is temporarily set aside or “held” on your credit card. Since your installment plan is not facilitated by a loan, the hold is required to be able to guarantee your purchase. While this temporarily reduces your available credit, it is not a charge, and it will drop off after a short period of time.

Find out more here

*Splitit does not charge interest or fees. Your standard credit card T&Cs still apply.