Welcome to CareCredit Direct!

 

(Practice Use Only)


To get started, please follow the simple 4-step process.

Step1Verification

Enter your 16-digit Merchant ID, Zip Code and CC Online Provider Portal User Name (case sensitive).

XXXX-XXXX-XXXX-1234

Step2Device Registration

Enter your Device Name and Device Type.

Enter a name to identify this device, for example Wait Room PC1 or CCiPad.


Step3Customize Settings

Please select the promotional options that will be visible in the Payment Calculator and Pay Now process.

No Interest if Paid in Full within 6, 12, 18, or 24 Months

On qualifying purchases of $200 or more made with your CareCredit healthcare credit card account. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Purchases eligible for 6, 12 or 18 month promotions: Minimum Monthly Payments Required. Purchases eligible for a 24 Month promotion: Fixed Monthly Payments required until paid in full and based on repayment over 24 months. Required monthly payments may or may not pay off purchase before end of promotional period.*

Reduced APR and Fixed Monthly Payments Required Until Paid In Full

On qualifying purchases made with your CareCredit credit card account at enrolled provider locations. Fixed Monthly Payment amount based on repayment over 24, 36, 48 or 60 month period. Purchase of $1,000 or more are eligible for a 24, 36, or 48 month offer with a 14.90% APR. Purchases of $2,500 or more are eligible for a 60 month offer with a 16.90% APR.



If you are a participant in the Pay My Provider program, you must offer the 6 month, and possibly 12 month No Interest if Paid in Full and the 24 month Reduced APR promotional financing offers. To opt out of the Pay My Provider program, call Provider Services at 800-859-9975.

Modification of these settings has been blocked by your headquarters location. Please contact your headquarters for assistance.

Step4Acknowledgement and Agreement

CareCredit Direct is intended to be a direct-to-consumer tool. Therefore, patients/clients must complete the credit application on their own. You must provide the applicant with a copy of the latest CareCredit Terms and Conditions (paper application) but you are not required to keep a printed copy of the application on file.

(For Practice Use Only)


*No interest charges will be assessed if the promotional purchase is paid in full within the applicable 6, 12, 18 or 24 month promotional period. If the promotional purchase is not paid in full by the end of the promotional period, interest will be imposed from the date of purchase. This means to avoid paying interest on the promotional purchase, you must pay the entire amount of the promotional purchase before the end of the promo period. If your purchase qualifies for the 24-month promotional offer, fixed monthly payments of 4.1667% of the initial promotional purchase amount are required until promotion is paid in full. The fixed monthly payment will be rounded up to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. For all other promotional offers, minimum monthly payments are required. Making only the minimum payments required by your monthly statement may or may not pay off the promotional purchase within the promo period. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional balance, except for the 24 month promotion, in which case the fixed monthly payment will apply until the promotion is paid in full. For new accounts: Purchase APR is 26.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreements for their applicable terms. Subject to credit approval.

**Interest will be charged on promotional purchases from the purchase date until paid in full. The APR for the applicable 24, 36 or 48 month promotion is 14.90% and the APR for the 60 month promotion is 16.90%. Fixed monthly payments are required until promotion is paid in full and will be calculated as follows: on 24-month promotions - 4.8439% of initial promotional purchase amount; on 36-month promotions - 3.4616% of initial promotional purchase amount; on 48-month promotions - 2.7780% of initial promotional purchase amount or on 60 month promotion - 2.4799% of initial promotional purchase amount. The fixed monthly payment will be rounded up to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases except the fixed monthly payment will apply until the promotion is paid in full. For new accounts: Purchase APR is 26.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreements for their applicable terms. Subject to credit approval.


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