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Same As Cash Medical Loans Vs. True 0% APR Patient Financing 2023 Guide Updated

The guide contrasts standard deferred payment plans with true zero-interest medical financing by Advance Care.

Advance Care updated its guide comparing deferred payments and true zero-interest programs amid steady growth in the US medical financing market. The industry is estimated to reach $90 billion by 2030, sparking conversations about accessibility, consumer rights, and the structure of medical lending plans.

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The guide showcases the advantages of true 0% APR medical financing over 'same as cash' financing. With 'same as cash' financing, the interest could begin to accrue from the first day of the purchase or 30-90 days from the purchase. However, true 0% financing includes no interest for the interest-free period lasting several months.

Advance Care card offers a true 0%APR program where qualifying applicants pay zero interest for 6 or 14 months. Now clients can receive medical financing for themselves or one of their family members with the assurance of no interest charges or punitive fees, so long as they make their monthly payment, explains the company.

While some 'same as cash' programs merely defer payments and continue to charge interest rates, true 0% APR programs allow borrowers to pay down their principal during the zero-interest stage, lowering their payment and interest burden.

Nearly 9.2%, or 30 million Americans, do not have health insurance. Affordability and prohibitively high coverage costs are cited by 64% of uninsured people.

Advance Care Card offers true zero-interest medical financing through an extensive database of the latest credit card offers available. Potential borrowers apply directly to the bank based on the product that best meets their financing needs. These cards and payment solutions prioritize affordability with interest rates as low as 10.99% after the zero-APR period.

Advance Care Cards are open to applicants over 18 years of age, who have a monthly income of at least $1,500, and not having been declared bankrupt in the previous five years nor sent to collections in the past three years.

Applicants who do not meet these criteria or suffer from adverse credit may apply with a co-signer. Applicants with excellent credit can expect to be granted medical financing up to $25,000 or more for the elective procedure they want to have done.

A company spokesperson said, "The Advance Care Card offers most applicants 14 months of true interest-free financing, although some less qualified applicants will receive six months. Other traditional patient financing options may offer longer promotional financing options, but this can be a double-edged sword because they result in a longer payment term and higher charges."

Advance Care medical financing supports chiropractic procedures, dentistry, men's health, aesthetic procedures, audiology, weight management, psychiatry, LASIK, Ketamine infusions, and other treatments.

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Contact Info:
Name: Bo Leslie
Email: Send Email
Organization: Advance Care Card
Address: 19046 Bruce B. Downs Blvd Suit #78, Tampa, Florida 33647, United States

Source: PressCable

Release ID: 89108836

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