Beats Care Credit | Home | Eliminate Credit Card Fees in 24 hrs | All industries | Zero contracts | Quickbooks | Merchant Accounts | Terminals
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Instant Loans for your Patients and clients much beyond CareCredit

TM

Next-day funding. Text-based applications. Instant approvals. More clients and patients say “yes”. Your practice or auto shop keeps more revenue.

For These Industries.

Chiropractic, spas, dermatology, cosmetic, dentistry, health systems, automotive, hospitals, healthcare specialists, hearing, labs, diagnostics, medical equipment/supplies, pharmacies/general wellness, primary care, sleep, spa, weight loss & nutrition, funeral cremation/burial.

A Decision In Seconds.

Text-based, instant-decision loan for patients and automotive clients that delivers a decision in seconds via text, funds the next day and provides higher limits with the lowest APRs in the industry. Even clients with challenged credit get approved more often, making your clinic, spa or automotive services affordable instantly.

Comparative Chart against CareCredit.

What Matters
IPS Details
IPS
CareCredit
CareCredit Details
Low Merchant Fee
5% – 12% Lower fees, no hidden charges
Yes
No
6% – 15% Especially high for long-term plans
Highest Approval Odds
90% approved
Yes
No
50% approved
High Approval Odds
More people get approved even with bad credit
Yes
No
Stricter credit = more declines
Next Day Funding
Next business day
Yes
No
2–3 business days
Highest Loan Amount
$500 – $100,000
Yes
No
$300 – $25,000
Lowest APR
0% – 21% Competitive & capped
Yes
No
0% – 35% Can scare away patients
Instant Approval
Seconds via text — no logins, no apps, no friction
Yes
No
Web-based app — takes longer
Fastest Onboarding
24–48 hours Quick and easy onboarding
Yes
No
Slower onboarding
Extensive Integration Options
QR code, Text message, API, link, web, Portal, POS integration.
Yes
No
Portal or POS integration
No Credit Card Required
No credit card needed = More approvals.
Yes
No
Credit card required by applicant.
Recourse / Chargebacks
Non-recourse loan. Loan provider handles refunds/chargebacks like usual
Yes
Yes
Non-recourse loan. Loan provider handles refunds/chargebacks like usual
Extended Industries
Med Spa, Dental, Vision, Auto, Retail, Wellness, Automotive
Yes
No
Med Spa, Dental, Vision, Auto, Retail, Wellness

We set you up very fast. Let's get your practice started.

(813) 296-8840

Give your Clients or Patients the Benefit of an Instant Loan

Stop losing clients or patients to CareCredit denials. With instant approvals, next-day funding and a simple text application, you can say “yes” to more patients

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