SimpleSelect Patient Finance is the simplest and safest finance option available for the purchase of elective medical surgeries, procedures, or treatment plans.  SimpleSelect is not a credit card but rather a single purpose loan similar to a car loan or mortgage.  The program non-recourse, bank funded, available through providers in all 50 US States.

SimpleSelect is NOT A CREDIT CARD, but rather a closed-end, fixed-rate installment loan similar to what you would use to finance a car or a house. Medical credit cards can be financially dangerous for patients and a big part of SimpleSelect’s mission is to help providers offer their patients a safer, fairer financing option without sacrificing the ease of use and low provider cost attributed to medical credit card programs.  With SimpleSelect, there are no variable interest rates, no default interest rates, no deferred interest promotions, no origination fees, and generous grace periods for late payments.

Providers offer SimpleSelect as a way of decreasing costs, maximizing conversions, and increasing financial compliance, all while greatly increasing the level of service to their patients.

SimpleSelect Zero™ loans are not promotions. They are true 0% interest loan offers.  With our Zero loans, patients pay no interest…EVER!   SimpleSelect Zero™ loan terms are set at 6, 12, 18, and 24 months. It is up to the provider to determine which Zero loan term length, if any, they wish to offer their patients.

Provider fees are based on which loan option the patient selects. For interest bearing loans, the cost to the provider is comparable to accepting a credit card in your practice.

SimpleSelect Zero™ loans are available if the practice chooses to offer them, but at a higher cost than a SimpleSelect Standard loan. Typically, SimpleSelect is 10-50% less expensive to the practice than other major patient finance programs.  There is no cost to enroll your practice.

Patients applying for SimpleSelect Patient Finance should have a reasonable credit rating (635+) with no recent history of charge offs, repossession, foreclosure, or bankruptcy.

Patients can apply directly on any computer, tablet, or smartphone by clicking an Apply Now link and entering your four digit provider code that we give your practice when you enroll.  Providers can also place a SimpleSelect Apply Now button embedded with an identifier link on their website.  By doing so, patients will be taken into your practice’s application without needing to enter the code. Learn More.

Providers can also submit applications on behalf of patients through the Provider Dashboard using the login credentials we supply your practice when you enroll.

Every aspect of the SimpleSelect application and loan signing process has been built for ease of use.  We understand that not all providers operate the same way, so we created multiple ways for patients to sign their loan documents.

If the patient is in your office, you can select the In-Office Electronic Signature option from your provider dashboard and the patient can sign the documents using a computer mouse/trackpad, or with their finger on any tablet.   You may instead choose to print paper documents for the patient to sign.  Once executed, you may scan them and use the “Upload Documents” feature from the provider dashboard to submit them for funding (documents can also be emailed or faxed).

If the patient is NOT in your office, then use the Out-of-Office Electronic Signature option and our system will email the documents to the patient for secure signature.

SimpleSelect funding times are very fast, with most fundings occurring within 24 hours.  If you submit loan documents to us prior to 3pm EST Monday through Friday, you will typically be funded the same business day.  If documents are submitted after 3pm, they are processed and funded the following business day.

The enrollment process is…you guessed it…SIMPLE!  Just visit the Enroll Your Practice section of our website, upload a copy of your practice’s liability or malpractice insurance and complete the online Provider Application.  Once submitted, we will review your application and generally approve your practice within 2-5 business days.  Upon approval, you will be sent the provider agreement via email for easy electronic signature and processing.