Get care today.
Pay over time.
Use Creda to cover co-payments, deductibles, and unexpected medical bills up to $1,500. No credit checks — we look at your work history and your relationships with in-network providers instead of just a score.
See if you prequalify — no impact to your credit score.
Why Creda
Put your healthcare within reach
Easy application, instant decisions, and community-based approval. We look at your work history and in-network connections instead of only your credit score, so the people and providers around you help you get care.
Easy application, instant decisions
Apply online anytime. No credit checks. Get an instant decision so you know right away if you're approved — no waiting, no endless forms.
Instant virtual card
Get a virtual card right away. Use it at providers in the Creda network — no waiting for a card in the mail.
Flexible payment options
Choose your own payment plan with a small upfront payment and clear installments that fit your budget. Transparent terms, no hidden fees.
How it works
From application to care — in minutes.
No credit checks. No waiting days for a decision. Just a quick application, an instant answer, and a card you can use right away.
Apply nowApply in under 2 minutes
Fill out a short application online or in the app. No credit check — no impact to your score.
Get an instant decision
You'll know right away if you're approved and how much you can borrow. No waiting, no paperwork.
Receive your medical card
Approved funds go onto a virtual card immediately. It works only at healthcare providers — exactly where you need it.
Repay on your schedule
Make payments over time by card or account. Transparent terms, no hidden fees or surprises.
Ready to take the next step?
See if you prequalify with no impact to your credit score. Easy sign-up — get funds in under 5 minutes.