Rising medical costs have prompted many patients to seek efficient and more flexible ways to pay for healthcare. While Affirm has become one of the most recognized pay-over-time solutions, it isn’t the only option. Today, several apps offer monthly payments, such as Affirm, with some providing no credit check, higher approval rates, or better healthcare-specific coverage.
This guide walks you through the best apps like Affirm, how they work for healthcare, and which platforms offer the most patient-friendly financing experience.
Why People Are Searching for Apps Like Affirm for Healthcare?
Affirm is popular because it breaks large bills into simple installments. However, healthcare needs differ from retail purchases. Patients want:
- Wider medical acceptance
- Better approval odds
- Interest-free options
- Soft or no credit checks
- Support for patients with bad credit
That’s why many people are looking for other apps like Affirm, especially ones built specifically for medical, dental, and wellness financing. Recent research indicates that 44% of U.S. adults find it difficult to afford their healthcare costs, which explains the growing demand for flexible, patient-friendly financing options.
Top 10 Affirm Like Apps for Healthcare Financing
Below are the strongest alternatives—each offering flexible pay-over-time solutions designed for medical bills, procedures, diagnostics, and wellness care.
1. Credee – Flexible Payment Plans App for Healthcare
If you’re searching for payment plans like Affirm that truly fit medical needs, Credee leads the list. It’s built specifically for healthcare providers and patients.
Why Credee Stands Out
- High approval rates
- No credit checks
- Works for dental, cosmetic, medical, veterinary, and wellness services
- Automated monthly installments
- Ideal for patients with bad credit
| Payment Terms | Credit Check | Approval Rates | Drawbacks |
|---|---|---|---|
| - Monthly payment plans - Zero-interest payment plan for up to 12 months | No credit check required | High approval rate of 97% | - The standard financing range runs from $300 to $20,000. - For higher-cost treatments, select providers offer extended financing of up to $99,999. |
Credee gives both clinics and patients an easier, more predictable experience—making it a strong choice for anyone looking for apps like Affirm for bad credit.
2. Cherry – Popular Buy-Now-Pay-Later App for Med Spas & Clinics
Cherry is widely used at med spas, cosmetic clinics, dental practices, and wellness centers, and offers payment options like Affirm.
What Cherry Offers
- Quick approvals
- Soft credit check
- Pay-in-4 or monthly payment plans
- High acceptance among aesthetics and cosmetic practices
| Payment Terms | Credit Check | Approval Rates | Drawbacks |
|---|---|---|---|
| - Pay-in-4 options - Monthly payments up to 24 months - Interest varies based on credit | Soft credit check for pre-qualification | 80%+ approval rate | - Overall limit is up to $50,000 - Higher interest for low credit - Lower limits for first-time users |
If you’re looking for financing like Affirm, with simple and fast onboarding, Cherry is a leading option.
3. CareCredit – Medical Credit Line for Larger Treatments
CareCredit is widely accepted in hospitals, clinics, dental chains, and specialty care centers.
Benefits
- Interest-free periods on select offers
- Works across thousands of providers
- Good for major procedures
| Payment Terms | Credit Check | Approval Rates | Drawbacks |
|---|---|---|---|
| - 0% interest promo plans (6–24 months) - Extended financing up to 60 months - Interest applies after promo period | Hard credit check | Moderate approval rates | - High interest if promo is missed - Harder approvals for bad credit - Medical use only |
This is one of the best apps similar to Affirm for individuals requiring larger financing amounts.
4. Sunbit – Everyday Healthcare Financing With High Approval Rates
Sunbit is known for approving more patients than traditional credit-based systems.
Why Patients Like Sunbit
- 90%+ approval rate
- Soft credit pull
- Ideal for dental and routine healthcare
| Payment Terms | Credit Check | Approval Rates | Drawbacks |
|---|---|---|---|
| - Short and long repayment plans - Flexible monthly options | Soft credit pull | - Very high approval rate (90%+) - Strong for poor or limited credit | - Not accepted everywhere - Interest rates vary - Longer terms may cost more |
Sunbit is popular among users researching programs like Affirm that accommodate bad credit.
5. Klarna – Installments for Select Medical Providers
While Klarna primarily serves retail shoppers, some clinics are now accepting it for wellness, dental, and planned medical services.
Key Highlights
- Short and long installment options
- Fast pre-qualification
- Soft credit check
| Payment Terms | Credit Check | Approval Rates | Drawbacks |
|---|---|---|---|
| - Pay-in-4 - Monthly installment plans (6–24 months) | - Soft credit check for Pay-in-4 - Hard check for long-term loans | - Moderate approvals - Strong for average credit | - Not widely available for healthcare - May charge interest on longer plans |
It works for people who want apps like Affirm without long-term commitments.
Grow your healthcare business by giving patients access to flexible, affordable payment plans.
Enroll Now6. Afterpay – Short-Term Installments for Small Medical Costs
Afterpay is a lighter version of Affirm and works with many telehealth and wellness-related services.
Why Choose Afterpay
- No interest
- Quick approvals
- Pay in 4 model
| Payment Terms | Credit Check | Approval Rates | Drawbacks |
|---|---|---|---|
| - Pay-in-4 biweekly installments - Short-term, interest-free plans | No credit check | High approvals | - Low spending limits - Not ideal for large medical bills - Limited provider acceptance |
Best used for small procedures, diagnostics, online doctor consults, and wellness products.
7. Sezzle – Interest-Free Installments With Credit-Building
Sezzle is a U.S.-based BNPL platform that lets users split purchases into four installments over six weeks. While primarily used for retail, many wellness, dental, and telehealth providers now accept Sezzle.
What Sezzle Offers
- Interest-free installments
- Fast checkout
- Option to build credit through Sezzle Up
| Payment Terms | Credit Check | Approval Rates | Drawbacks |
|---|---|---|---|
| - Pay-in-4 over six weeks - Longer-term plans available for select purchases - Longer-term plans may include fees | Soft credit check | Moderate approvals | Spending limits can be low initially |
8. PayPal Pay Later – Flexible Installments Through PayPal
PayPal Pay Later integrates directly into PayPal’s payment ecosystem, making it extremely accessible for online healthcare platforms, telehealth services, and wellness providers.
Key Highlights
- “Pay in 4” option
- Widely recognized and trusted
- Seamless PayPal integration
| Payment Terms | Credit Check | Approval Rates | Drawbacks |
|---|---|---|---|
| - Pay-in-4 installments - Pay Monthly (fixed monthly payments over 6, 12, or 24 months) - Interest may apply to longer-term loans | - Soft credit check for Pay-in-4 - Hard check for long-term loans | Moderate to high approvals | - Purchase range $30 – $1,500 (for Pay in 4) - Purchase range $199 – $10,000 (for pay Monthly) - Not accepted in many clinics |
9. Zip (formerly Quadpay) – Global BNPL With Simple Installments
Zip is a global buy-now-pay-later provider offering four-part installment plans. It’s accepted across a growing list of wellness, dental, and telehealth platforms.
Why People Choose Zip
- Easy approval process
- Pay-in-4 model
- Works at many online healthcare merchants
| Payment Terms | Credit Check | Approval Rates | Drawbacks |
|---|---|---|---|
| Four installments over six weeks | Soft credit pull | Moderate approvals | - Not ideal for large medical bills - Fees may apply for missed payments - Limited acceptance in traditional clinics |
10. Splitit – Zero-Fee Installments Using Your Existing Credit Card
Splitit stands out because it doesn’t issue new loans. Instead, it uses your existing credit card limit to divide payments—making it fee-free and interest-free as long as your card is in good standing.
Why Splitit Stands Out
- No interest or extra fees
- No new credit inquiry
- Uses available credit on your card
| Payment Terms | Credit Check | Approval Rates | Drawbacks |
|---|---|---|---|
| - Flexible installment periods (depends on provider) - No added interest | No credit check | - 85%+ approval rate - Approval depends on the available credit limit | - Limited to providers who support Splitit - Not ideal for people with low credit limits |
Quick Comparison Guide: Top Healthcare Financing Apps at a Glance
If you’re exploring alternatives to Affirm for medical, dental, or cosmetic care, this table gives you a clear, instant breakdown.
| App | Credit Requirements | Approval Rate |
|---|---|---|
| Credee | No credit check | Very high (97%) |
| Cherry | Soft credit check | High (80%+) |
| CareCredit | Hard credit check | Moderate |
| Sunbit | Soft credit pull | Very high (90%+) |
| Klarna | Soft check (Pay-in-4) / Hard check (long-term) | Moderate |
| Afterpay | No credit check | High |
| Sezzle | Soft credit check | Moderate |
| PayPal Pay Later | Soft check (Pay-in-4), Hard (Pay Monthly) | Moderate–high |
| Zip (Quadpay) | Soft credit check | Moderate |
| Splitit | No credit check (uses card limit) | High (85%+) |
Who Needs Affirm Like Apps for Healthcare?
These alternatives are ideal for:
- Dental patients needing implants or orthodontics
- Cosmetic surgery patients
- Pet owners managing veterinary bills
- Families dealing with emergency medical care
- Wellness and fertility care
- People with bad credit are seeking flexible payment options
Whether the bill is large or small, these monthly payment apps like Affirm help spread out expenses without overwhelming your budget.
Benefits of Using Payment Apps Like Affirm for Medical Bills
- Break large bills into predictable installments
- Reduce upfront financial stress
- Get access to care when you need it
- Improve affordability for elective or cosmetic procedures
- Support for patients with limited credit
And because healthcare isn’t optional, these flexible solutions can make a real difference.
Grow Your Practice with Better Payment Solutions
Schedule a DemoConclusion
As healthcare costs continue to rise, having the right financing option can genuinely lighten the load. Thankfully, patients today have more choices than ever—many offering easier approvals, soft credit checks, and plans built specifically for medical and dental care. The goal isn’t just to split a bill; it’s to make essential treatment accessible when you need it. With the right app, you can move forward with confidence, get the care you deserve, and manage expenses in a way that fits your life.
FAQs: Apps Similar to Affirm for Healthcare
1. What Other Apps Are Like Affirm for Medical Financing?
Popular alternatives include Credee, CareCredit, Sunbit, Afterpay, and Klarna—all offering medical installment plans.
2. What Apps Offer Financing Like Affirm With No Credit Check?
Platforms such as Credee, Sunbit, and Splitit offer no-credit-check or soft pull approval options.
3. Which Payment Apps Are Like Affirm but Better for Healthcare?
Credee is often preferred because it’s built specifically for medical use and supports patients with limited credit.
4. Are There Monthly Payments Like Affirm for Dental or Cosmetic Care?
Yes. Credee, Sunbit, and CareCredit frequently support installment plans for implants, braces, veneers, Botox, fillers, and cosmetic surgery.
5. What Apps Like Affirm Approve Bad Credit?
Credee and Sunbit are known for high approval odds, especially for patients with low credit profiles.
6. What Is Like Affirm for Small Medical Bills?
Afterpay and Klarna work well for minor procedures, telehealth visits, lab tests, and wellness services.
7. Are There Programs Like Affirm That Clinics Can Integrate Directly?
Yes. Credee and Sunbit offer integrated healthcare payment solutions for providers seeking to offer in-house, automated payment plans.
