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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Care Credit's pay off


Repayment of loan

Please, note that it is not possible to pay using an FSA/HSA or a credit card. Direct payouts to your provider's office are also not accepted. On the installment due date, you must pay at least your minimum due installment which should be received by Care Credit before 5 p.m. (EST).

You can either use an electronic bill settlement service (such as their website or a third-party servicer or bank) or mail your installment to them at the address listed on your electronic statement. Please, be aware that if you do not pay them electronically, your installment may take up to five days to be credited.

Supported types of payment

  • Online

  • Mobile app

  • Bank transfer

  • Debit card

  • Phone

Steps to repay


  • If you just want to make a payout, you can bypass the login and registration process and pay as a guest. Open the company's website and head to the existing cardholder section under the How it works page.

  • Click on the Pay as a guest button. Then you will be routed to the SYF mobilewebpay portal.

  • Make sure your account is registered on the SYF website first, and then you can enable Pay without login.

  • Log in by clicking the icon. You can check the option to Remember your user name while checking in. You can also select the checkbox This is my personal device. For the gadget you're using, Remember me.

  • You can safely utilize Pay without login from this platform without answering one of your security questions if you do so.

  • If you select do not remember me, you will be prompted to answer one of your security questions every time you utilize Pay without login. Note: Do not double-check. If you're using a public platform or one that doesn't belong to you, keep me in mind.

  • If you've enabled device recognition, you'll see the pay without log in button the next time you visit SYF website and click the log in icon. To make an online payment, simply tap.

  • You make a same-day installment on your account in three easy steps. Select your payment amount. Select your payout method. Review and authorize your payment.

  • At the email address you entered on your account, you will receive an email confirmation of your installment submission.

Mobile app

  • From the payments area, you can use your bank account to pay an installment to your Care Credit account for the minimum fee due.

  • Enable account to push alerts from more areas at any time if you'd want to receive custom account notifications on your mobile device about your due date, payout status, and more.

Bank transfer

You can also send your payment via your bank using ACH Transfer.

Debit card

You can also make payments by using your Visa, MasterCard, or Discover debit cards.


You may be able to make payments over the phone with Care Credit, but you may be charged a premium for expedited phone payments.

Care Credit terms

Your transactions have a 26.99 % APR. Each billing cycle's due date is at least 23 days after it ends. If you pay your entire debt before each month's due date, Care Credit will not charge you any interest on non-promotional purchases. On the purchase date, they will begin charging interest on promotional purchases. If you are charged interest, you will be charged at least $2. If you pay late, you will be assessed a penalty of up to $40.


How do I make a payment to CareCredit?

You can make a payment to Care Credit online on its website, through a bank transfer, over a call, through a debit card, or through its mobile app. 

What happens if you don't pay back Care Credit?

If you miss a payment, break any other condition of your agreement, or are bankrupt or insolvent, you default. Care Credit may request immediate payment of the full amount owing, take legal action to collect the sums outstanding, or take any other action permissible. If you think you'll have to pay late, call them at (866) 893-7867 before the due date to see if they have any options that will work for you.

Can you pay CareCredit early?

Yes, you can pay Care Credit early and there are no prepayment penalties.

Can CareCredit sue you?

Care Credit has the right to sue you. Care Credit can employ a lawyer to sue you for the underlying debt, fees, and costs in a breach of contract action.

Calculate loan payments in Care Credit

Care Credit calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

200 $
25000 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with Care Credit

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Care Credit and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Care Credit’s reviews by September 2022
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