Financing
Pay for your program over time — interest-free for up to 15 months.
Apply online in a few minutes, get a decision almost immediately, and spread your program over up to 15 months with no interest. Here’s exactly how it works and what to expect.
How it works
Four steps from application to training.
- 1
Apply online
The application is short and entirely online. Most decisions are instant; a few take 24–48 hours. Applying is free and there is no obligation to use the account.
- 2
Get your approval amount
Your credit profile sets your limit and your promotional terms. Approvals go up to $25,000 or more with excellent credit. Co-signers are welcome and can raise your approval odds and amount.
- 3
Tell us you’re approved
Bring your approval to your Report of Findings, or mention it at your free consult. We’ll show you exactly how your plan fits your approved amount before anything is charged.
- 4
Pay over time, interest-free
Approved accounts get a promotional interest-free period of up to 15 months. After that, the card’s standard rate applies based on your credit profile. No prepayment penalties.
Before you apply
Know your number first.
Your consult is free, and the brain map is a complete service on its own. Your training plan and its full cost are laid out at your Report of Findings, with no obligation — so you can apply for exactly what you need, or apply first to know your ceiling. Either order works.
- Free to apply, no obligation to use the account
- Instant decisions in most cases
- Co-signers welcome — can improve odds and raise the amount
- No prepayment penalties and no punitive late fees
- HSA/FSA accepted alongside or instead of financing
- Questions? Call us at (407) 708-3200
Financing questions
The details, plainly.
Does applying affect my credit score?
Yes. Advance Care Card performs a standard hard credit inquiry — the same type used by any credit-card application — which may have a temporary effect on your score.
What do I need to qualify?
There is no published minimum credit score. Advance Care Card lists a minimum income of $1,500 a month, no bankruptcy in the last five years, and no collections in the last three. Approval depends on your overall credit profile.
What happens after the interest-free period?
The card’s standard interest rate applies to any remaining balance, based on your individual credit profile. Paying the balance within the promotional period means paying no interest at all; there is no penalty for paying early.
What if I’m not approved, or the amount isn’t enough?
Advance Care Card points declined applicants to a medical installment loan through mymedicalfunding.com, which has separate approval criteria. You can also combine financing with HSA or FSA funds, or ask us about splitting the program into phases.
Can I use HSA or FSA money instead?
Yes. We accept HSA and FSA funds for the brain map and the program. Many families use HSA for the brain map and financing for the training program.
Do you take insurance?
No. We don’t bill insurance, which means your plan is never limited to what an insurer approves. Financing, HSA/FSA and card payments are all accepted.
Advance Care Card is issued and serviced by an independent lender; credit decisions, limits, promotional periods and rates are set by the lender, not by Kerov™ Health, and are subject to credit approval. Terms above are quoted from advancecarecard.com and may change — the lender’s application shows the terms that apply to you.
Your next step
Not sure what your program would cost? Ask us.
Book a free consult and we’ll walk through the program, the price and the payment options that fit your situation — no obligation.
- 30 minutes · Zoom or phone · no obligation
- Talk with a clinician, not a salesperson
- Leave with a clear picture of the process and cost
Prefer to talk now? (407) 708-3200