Get care today.
Pay over time.
Creda is healthcare financing with flexible payment options so you can pay over time for the care you need. No credit checks. Instant decisions.
See if you prequalify—no impact to your credit score.
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For Patients
Get the care you need. Pay over time.
Use Creda to cover co-payments, deductibles, and emergency medical expenses up to $1,500. We use alternative checks like your work history and in-network connections instead of traditional credit scores, so more patients can get access to care.
Apply for lending →No credit checks
Your credit score isn’t the deciding factor. We look at your work history and your relationships with in-network providers instead.
Instant decisions
Apply and get a quick yes or no. No waiting, no endless paperwork.
Flexible repayment
Choose your own payment plan with a small upfront payment and predictable installments that fit your budget.
For Providers
Get paid when patients use Creda—simple and reliable
Join the network once. Patients pay with their Creda card at point of care. You get paid without the hassle.
Join the network →Get paid on time
Patients pay with their Creda card at your practice. Payments flow through normally.
Simple registration
Register once. We handle onboarding so you can start accepting Creda quickly.
In-network visibility
Be listed as a Creda provider. Patients seeking medical lending can find you.
Why Creda works for healthcare
Built for real medical costs
No credit checks. Instant decisions. Medical-only cards and clear repayments—all designed around how people actually pay for care.
No credit checks, instant decisions
Apply without traditional credit scoring and get an answer in minutes, not days.
Access funds instantly with a virtual Visa card
Get a virtual Visa card right away—use it to pay at your provider with no wait for a physical card in the mail.
Clear, flexible repayments
Pay over time with predictable payments that fit your budget. No hidden fees, no surprises.
Ready to get started?
Apply for healthcare financing in minutes. For providers, join the network.