Term length
At 17.99% APR, stretching to 60 months halves the payment but adds about $1,950 in interest.
Monthly payment, total interest and payoff date for a fixed-rate loan, or the exact amount you need to finish a promo at 0%.
Start from a typical treatment
Your loan
PatientFi advertises fixed APRs from 6.99% (3.99% for fertility) with excellent credit and autopay. Its examples go up to 32.99%.
| Year | Paid | Interest | Balance left |
|---|
Your promo
The promo clock starts when your clinic is paid, not on your treatment date.
Miss the deadline? PatientFi keeps the interest that built up during the promo and spreads the rest over a fixed-APR loan. Its examples use 32.99%.
For education only. Uses a standard amortization formula. Your real APR, minimum payment and schedule are set in your PatientFi loan agreement.
All examples use a $6,000 treatment, worked out with the same formula as the calculator above.
At 17.99% APR, stretching to 60 months halves the payment but adds about $1,950 in interest.
Over 36 months, the gap between PatientFi’s lowest advertised rate and its highest example is about $2,860.
A small saving, about $27 over 36 months, but autopay also stops you missing a due date.
Each cell shows the monthly payment and the interest you’d pay over the whole loan. Greener means cheaper overall; redder means more interest.
Standard amortization formula, rounded to the nearest dollar. Your APR depends on your credit.
| APR | 24 mo | 36 mo | 48 mo | 60 mo |
|---|---|---|---|---|
| 6.99% | $269/mo+$447 interest | $185/mo+$668 interest | $144/mo+$895 interest | $119/mo+$1,127 interest |
| 12.99% | $285/mo+$845 interest | $202/mo+$1,277 interest | $161/mo+$1,725 interest | $136/mo+$2,189 interest |
| 17.99% | $300/mo+$1,188 interest | $217/mo+$1,808 interest | $176/mo+$2,458 interest | $152/mo+$3,140 interest |
| 24.99% | $320/mo+$1,685 interest | $239/mo+$2,587 interest | $199/mo+$3,548 interest | $176/mo+$4,564 interest |
| 32.99% | $345/mo+$2,275 interest | $265/mo+$3,527 interest | $227/mo+$4,877 interest | $205/mo+$6,317 interest |
The formula we use
M = P × r ÷ (1 − (1 + r)−n)
Promo mode is simpler: amount ÷ promo months is the least you can pay and still finish at 0%. We don’t estimate the interest PatientFi would keep if you miss the deadline, because that depends on your loan agreement.
No. This is an independent estimate using a standard amortization formula. PatientFi's own calculator and the plans in your account show your actual options.
Your APR depends on your credit, and plan options can vary by provider. PatientFi also notes that the plans in your account calculator can differ from examples on its website.
Use the APR in your offer. PatientFi advertises fixed APRs starting at 6.99% (3.99% for fertility) for excellent credit with autopay; its disclosure examples go up to 32.99%.
The payment needed to finish at 0% is your balance divided by the number of promo months, so the full amount is paid before the deadline.
Yes. Turn on the autopay toggle to subtract 0.25 percentage points from the APR, matching the discount PatientFi describes.
Every figure links to where it came from. Fact-checked October 11, 2026.
Independent guide, not affiliated with PatientFi, Inc. Not financial or legal advice; your loan agreement is the final word.