Communication is OK. Customer service is NICE, BUT YOU NEED TO BE PATIENT. They take their money no problem but if they owe you money - refund TAKES 60 DAYS and no communication confirming any refund... Se mer
Företaget har svarat
Även om vi inte verifierar specifika påståenden eftersom omdömeslämnarnas åsikter är deras egna, kan vi märka omdömen med en ”verifierat”‑etikett ifall vi kan bekräfta att en företagsinteraktion har ägt rum. Läs mer
För att skydda plattformens integritet granskas både verifierade och overifierade omdömen av vår automatiserade programvara som är tillgänglig dygnet runt. Tekniken är utformad för att identifiera och ta bort innehåll som bryter mot våra riktlinjer, inklusive omdömen som inte är baserade på en äkta upplevelse. Vi är medvetna om att vi inte kan lägga märke till allt. Det går att flagga sådant som du tror att vi kan ha missat. Läs mer
Det här tycker kunderna
Poor customer service do not use this company. No way to talk to a person and would not remove a late payment off of my credit due to not knowing I was financed with them.
Företaget har svarat
This company was easy to use & get approved for credit. However, I highly suggest to have automatic monthly payments. Make sure to pay it off before the promotional plan ends so you won’t have to pay... Se mer
Today about 3pm I learned that my procedure scheduled for the next morning has additional costs and payment needs to be arranged before the procedure. I called PatientFi, spoke with Eder and after a f... Se mer
Företagsinformation
Skrivet av företaget
PatientFi partners with healthcare practices to remove cost barriers by offering patients friendly monthly plans, so more patients can say yes to the elective procedures they want. With PatientFi, paying over time isn’t a last resort. It’s the reason patients can get excited about saying yes to the treatments and procedures they want.
Kontaktuppgifter
PO Box 50903, 92618, Irvine, USA
- (866) 734-5979
- hello@patientfi.com
- patientfi.com
3,6
Medel
286 omdömen
Ingen aktuell inbjudningshistorik
Det här företaget har inte bjudit in sina kunder på länge. Omdömen kanske inte är representativa
Har besvarat 94 % av sina negativa omdömen
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Extremely disappointing experience with…
Extremely disappointing experience with PatientFi.
They initiated 9 ACH debits from our business bank account totaling approximately $40,000 without prior notice, supporting documentation, or giving us a meaningful opportunity to respond.
Even more concerning, we have repeatedly tried contacting customer service and our assigned business representative and have been unable to get clear answers or timely assistance.
Taking approximately $40,000 from a business account while providing almost no communication is unacceptable. We are still waiting for a full explanation and resolution.
Based on our experience, we cannot recommend PatientFi to other businesses.
23 september 2026
Omdöme utan inbjudan
Poor customer service do not use this…
Poor customer service do not use this company. No way to talk to a person and would not remove a late payment off of my credit due to not knowing I was financed with them.
10 september 2026
Omdöme utan inbjudan
Svar från PatientFi
Hello Krista,
Thank you for sharing your feedback. PatientFi takes all consumer concerns seriously, and we appreciate the opportunity to address your experience. We are truly sorry to hear about your frustration regarding your customer service experience and the late payment reported to your credit.
Please note that while financing terms are outlined in the initial loan agreement prior to acceptance, we understand that questions about account setup can arise. In addition, to remain compliant with credit reporting regulations, we are required to report accurate account activity to the credit bureaus. However, we always want to ensure that every account is thoroughly audited and handled correctly.
We would welcome the opportunity to review your account details directly with you. Please reach out to our dedicated support team at (866) 734-5979 or email us at support@patientfi.com so we can look into your situation and assist you further.
Sincerely,
PatientFi Member Support
It's OK
Communication is OK. Customer service is NICE, BUT YOU NEED TO BE PATIENT. They take their money no problem but if they owe you money - refund TAKES 60 DAYS and no communication confirming any refund statuses. You have to call and get the details. The interest rates are out of control as of recent. Get a private loan if you can it will probably be better interest rates.
20 september 2026
Omdöme utan inbjudan
Svar från PatientFi
Hello Angela,
Thank you for your honest review. While we are happy to hear that our team was friendly, we are truly sorry for the delay and lack of communication surrounding your refund.
We take this feedback to heart and are using it to improve our processing speed and proactive communication so this doesn't happen again. We also recognize your concerns regarding current interest rates and appreciate you sharing your perspective. PatientFi does offer a few promotional- no interest plans if paid in full plans to help with some of the interest.
We value your business and are committed to doing better. If you need any immediate assistance, please contact us directly at 866-734-5979.
Thank you,
-PatientFi
Customer Experience Team
Steer Clear
I will say -- this loan is sounding like scam from day one. They offered me a loan for a medical procedure which I accepted at 0% for 6 months. However, I signed for auto pay and the auto pay date was set by them the day after the first payment is due as that's when the penalty interest of 33 percent starts accruing. In addition, in order to pay early you have to register for their portal. However, in order to register you need your account number which was not provided to me. There is an account number on the loan agreement but the one for the portal is a different account number that you need to call customer service for. They are working hard to make you pay your loan late so the penalty interest accrues on the whole balance. It is astonishing to me that this is even legal and it is astonishing to me that BBB rates this organization A+. I would give them F-. Why wouldn't they have you register for the portal at time of application? They are working very hard to make it difficult for you to pay in a timely manner. Scam!
1 september 2026
Omdöme utan inbjudan
Svar från PatientFi
Hi R Kramar,
We are truly sorry to hear about your frustration regarding your promotional period, auto-pay settings, and portal registration. We take your feedback very seriously. We want to clarify that our interest-free promotional plans are deferred interest plans. This means that interest will be waived as long as the full principal balance is paid off before the promotional expiration date. For full transparency, these promotional terms are fully detailed in your contract and were disclosed to you prior to acceptance.
Regarding your portal account number, you should receive an onboarding email from us within 3-5 business days once your loan is officially active in our system. Please note that it takes a little time for a loan to fully board before you can access the portal, and this process can take slightly longer if your loan was accepted on a Friday or around a holiday. Additionally, you do not actually need an account number to register. You can simply click 'Login with PatientFi' and log in using your email address or phone number once your loan is boarded.
We want to ensure your account is set up exactly how you want it. Please reach out to our dedicated support team directly at (866) 734-5979 or email us at support@patientfi.com so we can look into your specific auto-pay setup and resolve this for you right away.
Thank you for sharing your feedback.
Best regards,
The PatientFi Team
This is fraudulent organization
This is fraudulent organization, they were owing me a refund , they ensured me and sent the letter they gonna issue a check, after a month nothing was done. When I called them and asked where are my money, failed to provide any reasonable reply. I reported them as fraud and now planning to sue them. Never ever deal with them, they screw up people like me. Dishonest and unreliable. Stay away from them.
27 augusti 2026
Omdöme utan inbjudan
Svar från PatientFi
Hello Tatiana,
Thank you for sharing your feedback. PatientFi takes all consumer concerns seriously, and we appreciate the opportunity to respond.
We sincerely apologize for the frustration you have experienced regarding the refund status of your account. We want to investigate your specific situation immediately to ensure it is handled correctly and resolved without further delay.
Please reach out directly to our support team at support@patientfi.com or call us at (866) 734-5979 so we can pull up your account records and assist you right away.
Sincerely,
PatientFi Support Team
I would absolutely not recommend this…
I would absolutely not recommend this company, they have fraudulent business practices and will scam you out of thousands of dollars! I eventually did pay off the balance but they refuse to report accurate information to the credit bureau further affecting my credit score!! They are a biggest regret!!!!!!!
31 juli 2026
Omdöme utan inbjudan
Svar från PatientFi
Hello Tosin,
Thank you for your feedback. PatientFi takes all consumer concerns seriously and we appreciate the opportunity to respond.
Following your formal outreach, our compliance team thoroughly audited your entire account history and payment records. We have provided a detailed breakdown of our findings in our official response to your case on the Better Business Bureau portal, which we encourage you to review.
Please do not hesitate to contact us by phone at 866.734.5979 or email at support@patientfi.com if you have any further questions or concerns.
Sincerely,
PatientFi Support Team
Just don’t do it
Just don’t do it. Especially if you plan on doing multiple packages. They open separate accounts and when you go to pay each month it doesn’t reflect a balance just a “minimum” - if you have a balance of $20 dollars in one account and $300 in another and make a $320 payment the money won’t pay off the $20 account.
18 augusti 2026
Omdöme utan inbjudan
Svar från PatientFi
Hi Carina,
We are sorry to hear about your frustration regarding how payments are applied across your multiple promotional plans. Our goal is always to provide clear terms, transparent communication, and an intuitive experience throughout your financing journey.
We want to clarify that each individual loan has its own specific terms and promotional periods, and they are all managed under your single PatientFi account. When making a manual payment online through our portal, you are able to view each individual loan balance and specifically select exactly where you want your payment funds to be allocated.
We want to make sure your recent payment is applied exactly how you intended. Please reach out to our team directly at support@patientfi.com or call us at (866) 734-5979 so we can look up your account and assist.
Sincerely,
PatientFi Support Team
Horrible company they just want to take…
Horrible company they just want to take your money ,no humanity. They will pile up so much interest that you won't be able to pay. Don't do it .I had a better experience with care credit.
3 augusti 2026
Omdöme utan inbjudan
Svar från PatientFi
Hello Nn,
I hope this message finds you well.
Our team has made an attempt to obtain additional information via TrustPilot; however, we have yet to receive a response. We remain at your disposal to assist in reviewing your situation.
At your earliest convenience, kindly contact our customer support team at 866-734-5979.
-Customer Support Team
⭐☆☆☆☆
⭐☆☆☆☆
I am extremely disappointed with PatientFi and feel completely blindsided by how they handled my account.
Two years ago, I financed a procedure through PatientFi and was told I would make automatic monthly payments for 24 months. I never missed a single payment, and I expected my loan to be paid off in May 2026 as scheduled.
However, after my final monthly payment, I noticed I was still being charged $150. When I called to ask why, I was informed that I had an outstanding balance that was supposedly due on June 20, 2026, and because it was not paid by that date, I was charged over $1,130 in interest.
My issue is simple: I NEVER received a final invoice, statement, bill, email, letter, text message, or any notification telling me that a remaining balance was due. Had I been properly notified, I would have paid it immediately. Instead, I was allowed to miss a due date I didn’t even know existed, and then was hit with over $1,100 in interest charges.
I contacted customer service to explain the situation and requested that they work with me given the lack of notice, but they repeatedly told me “that’s how they do it” and refused to take any responsibility or offer a reasonable resolution.
I paid every monthly payment on time for two years and acted in good faith throughout the entire loan. The lack of communication and unwillingness to help a customer who never missed a payment is unacceptable. I would strongly encourage anyone considering PatientFi financing to carefully review the terms and monitor their account closely, because you may not receive adequate notice before significant interest charges are applied.
3 augusti 2026
Omdöme utan inbjudan
Svar från PatientFi
Hi Krisgcons,
Thank you for sharing your feedback, and we sincerely apologize for the frustration surrounding your account. We completely understand how upsetting it is to encounter unexpected interest charges, and we always want our financing terms to be as transparent as possible.
To help prevent surprises, deferred interest terms are clearly highlighted during the online transaction process. We also provide the specific promotion end date and the total accruing interest in several prominent places, including the signed contract and the online portal dashboard. Additionally, our system is designed to generate monthly statements showcasing the interest balance and the exact date it must be paid to remain interest-free.
While we strive to be as helpful as possible, we must adhere to the terms of the signed installment agreement to ensure fairness and accuracy for all our borrowers. If you have further questions or would like us to review your account details with you, please reach out to our support team at (866) 734-5979.
Sincerely,
PatientFi Support Team
I would never recommend using…
I would never recommend using PatientFi.
I financed an $8,000 balance and was enrolled in automatic payments specifically to pay off the loan by the 5/1/2026 promotional deadline so I wouldn’t owe any interest. The automatic payment processed correctly every single month except once. When I noticed it hadn’t gone through, I immediately called PatientFi, paid over the phone, and actually ended up making two payments that month.
After that, I continued checking my Wells Fargo account every month to confirm the scheduled payment had processed. I also called PatientFi to make sure everything was on track and was repeatedly told everything looked fine.
Then, on May 2nd, I was shocked to learn there was a random unpaid balance of about $200 that no one had alerted me to before the promotional deadline. Because of that small remaining balance, I was suddenly charged approximately $1,500 in deferred interest.
The most frustrating part is that every payment reminder email only tells you your scheduled payment amount—it does not clearly state the remaining balance needed to avoid interest. If I had known I still owed $200, I would have paid it immediately.
Even the customer service representatives acknowledged how unfair the situation seemed. They submitted two separate waiver requests on my behalf, but both were denied by management.
I did everything I reasonably could to stay on top of my account: I set up autopay, monitored my bank account, called to verify my payments, and even reached out proactively when there was an issue. Despite all of that, I was still hit with a massive interest charge over a small remaining balance. Jessica and Belinda are working the perfect job as this company 100% scams you and they have no sympathy.
Be extremely cautious if you choose to use PatientFi. Double- and triple-check your remaining balance yourself, because relying on the scheduled payment amount or assuming autopay will get you to the promotional payoff date could end up costing you thousands.
30 juli 2026
Omdöme utan inbjudan
Svar från PatientFi
Hi Meagan,
Thank you for taking the time to share your experience with us. We genuinely appreciate your feedback, and we understand how frustrating it is to encounter unexpected charges, especially when you felt you were on track to meet your promotional terms.
Because we take account privacy seriously, we cannot discuss specific account details publicly. Please reach out to us directly at 877.312.3625 to discuss your account.
This company is horrible
This company is horrible! I went to hairclub in western NY. They completely messed up my head, leaving scars, but since they lied to me and forced me to sign a contract PatientFi made me still pay the bill. I explained what HairClub did to me but they didn’t. They just wanted their money. At first I refused to pay but then they went to the credit bureaus and destroyed my credit. So as quick as possible I paid it off. You need to read the fine print on their contract. If you don’t pay it off within 12 months they charge you a 33% interest rate. Stay away from them! This company had 6 chances to rectify the situation. I spoke 6 different customer service agents and they all said the same thing, that they would get back to me. But when my phone rang from PatientFi, it wasn’t in response to my situation. It was for late payments. They had multiple opportunities to help me, but they ignored me and failed!
15 januari 2026
Omdöme utan inbjudan
Svar från PatientFi
Hi Bill,
Thank you for reaching out and sharing your experience with us. We are truly sorry to hear about what you went through. Dealing with a procedure that didn't yield the expected results—especially one that caused physical scarring—is incredibly distressing, and we completely understand your frustration.
While PatientFi is strictly the financing partner and does not perform medical services, we always strive to advocate for our customers whenever possible. We actually attempted to reach out to you via Trustpilot to see if we could assist with your provider, HairClub. However, the contact information provided did not match an account in our system, which unfortunately prevented us from investigating further at this time.
We also understand your concerns regarding credit reporting and accrued interest. As a loan servicer, PatientFi is legally required to accurately report monthly payment history—including timely payments and delinquencies—to the major credit bureaus (TransUnion, Equifax, and Experian).
We would still love the opportunity to assist you in reaching out to HairClub to explore what options might be available. Please give our team a call directly at 866-734-5979 so we can verify your account information and look into this together.
Sincerely,
PatientFi
Customer Support Team
I applied for a $15k interest free…
I applied for a $15k interest free loan. I was denied because PatientFI stated I had an insufficient credit history. I have consistently held credit cards for over 30 years. Currently, I have one credit card with a 5 year history of timely payments 100% of the time. I have a very low debt-to-income ratio. None of that mattered. In fact, PatientFI didn’t even bother to offer a lesser amount. I have no idea what algorithm the company uses but apparently it believes a stably employed attorney with a 3% debt-to-income ratio is high risk. I believe their evaluation process and policy are absurdly rigid. I would not recommend them even though they utilize a soft credit check.
25 juni 2026
Omdöme utan inbjudan
Svar från PatientFi
Hello Elizabeth,
Thank you for reaching out and sharing your experience with us. We completely understand how frustrating it is to receive a decline, especially when you have worked hard to maintain your credit profile. We want to help clarify what happened and offer some guidance on your options moving forward.
First, please rest assured: our application process only uses a soft credit check. This inquiry will not affect or damage your credit score in any way.
To make financing decisions, our system looks at a combination of factors, including your Credit Score, Debt-to-Income Ratio, and Credit History.
While your 30-year history of managing credit is incredibly impressive, having only one active credit card right now can sometimes limit what underwriters call "credit depth."
The decline reason "Insufficient number of credit references provided" typically means that our system requires a few more active, revolving lines of credit (such as credit cards or other accounts) to establish the established history of active repayment required for this specific financing.
We recommend the following:
-Review Your Credit Report: Because we view credit information through TransUnion, we highly encourage you to contact them directly to obtain a copy of your report. This ensures that all of your historical and current accounts are being reported accurately.
-Re-applying: If you have other revolving lines of credit that are currently open (or if you establish new ones in the future), we would love to have you re-apply. You are welcome to submit a new application 30 days after your original application date.
If you have any further questions or if there is anything else we can do to assist you, please don't hesitate to reach out to our team directly. You can reach our team at 866-734-5979.
Warm Regards,
PatientFi Customer Experience Team
Crooked Thieves
I'm telling ya right now yall better watch these crooks. Live in your patience portal, because I assumed a 😂 5 star business would have there crap together but this company sure crap do not. Wife had breast procedure done used this company interest free, long as 15k was paid in a year, no problem. Except to start off there atuo payment program decided to void all my info out of the automatic payment portal so had to make lump sum payment of 600 plus dollars to catch it up, after they fixed problem. Oh and when you call them to report a problem they will issue a ticket and tell you you should hear from someone in 7 to 10 business days. 🤣🤣 That's a lie I had to call them back again and make them fix it with me on phone. Set payments up weekly to be paid off early, the way I had it set up it would be paid off last of April, had to be paid in full by June 2nd this year. So I get a notice that I owed interest on the 15k and I look and as of June 12th showed I still owed over 2500 and they were still taking the same weekly amounts out of my check. So called immediately and destiny says we'll your payment was due on the second but was paid on the 4th, so your responsible for all the interest. That's when I informed her they over charged me 3k, and payments was suppose to stopped end of April, but I didn't call to have them stop payments so they politely continued to take them. She stopped auto pay because you are not able to due it yourself, you have to call and have them do it. So they can overcharge people. Said I would receive a call in 🤣😅 7 to 10 business days that was on 12th, guess what, I had to just call them and the rudeness named Sherri talked to me like I was a i was a invalid explaining they have to investigate every payment which could take weeks to find total overpayment then they would politely write a check, and put it in our beloved USPS to get it to me. So if you people use this company that, has a bunch of schills saying there 🤣😂 5 stars, your mental, and I tried to warn ya. If ya wanna say, oh he probably didn't make his payments or he's just disgruntle nuck you, my wife's boobs are great and I have every bit of proof, of everything im telling you,down to there agent id #s.
12 juni 2026
Omdöme utan inbjudan
Svar från PatientFi
Hi Jerry, thank you for bringing this to our attention. We have investigated your account and confirmed that you are correct. Due to a system error, our autopay improperly continued to draft payments after your balance reached zero in April.
Because the system did not register the early payoff correctly, it resulted in the wrongful interest charge and the frustrating miscommunications you experienced with our support team. We sincerely apologize for this error and for the stress it has caused you.
Please know that your loan is successfully paid in full. We are currently working quickly to expedite your refund for the overcharged amount so you do not have to wait weeks. We take this feedback seriously and are handling the agent interactions internally to ensure this doesn't happen to anyone else.
Jackie
Jackie, was amazing at assisting me with my transaction. She went above and beyond by double checking and sending me an email confirming of the cancellation. She truly understood my worry and provided an amazing customer service. Thank you!
28 april 2026
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BEAWARE
I used PatientFi for financing, and my experience was disappointing. They do not send any clear email notifications about when interest charges will begin. Instead, the interest is applied quietly without proper communication, which can easily catch customers off guard.
When I reached out to discuss this, they were very rigid and unwilling to reduce or adjust the already applied interest. There was little flexibility or customer support to resolve the issue.
I strongly recommend others to carefully review the terms and keep close track of their account if using PatientFi. Be aware of how and when interest may be applied to avoid unexpected charges.
21 april 2026
Omdöme utan inbjudan
Svar från PatientFi
Hi Sowmya,
We appreciate you sharing your experience. We understand that seeing interest applied to a balance is frustrating, and we aim to provide as much clarity as possible to help our borrowers avoid this.
To ensure there are no surprises, we provide the specific promotion end date and the total accruing interest in several prominent places:
- During Loan Acceptance: The deferred interest terms are highlighted during the online transaction process.
- The Signed Contract: All details are clearly outlined in the agreement that is reviewed and e-signed.
- Monthly Statements: Every statement showcases the interest balance and the exact date it must be paid to remain interest-free.
- Online Portal: These figures are displayed on your dashboard every time you log in.
While we strive to be as helpful as possible, we must adhere to the terms of the signed installment agreement to ensure fairness and accuracy for all our borrowers. If you have further questions, please reach out to our support team at (866) 734-5979.
Friendly and Kind
Friendly, cheerful, and so helpful! The whole interaction went better than expected. She clearly communicated with me, and followed up with me later in an email like she said she would. Excellent service.
20 mars 2026
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I was mislead to believe that I…
I was mislead to believe that I wouldn’t have to pay interest on the loan and then I was hit with a $900 interest penalty for not paying off the loan by the deadline. If I had known this was the case, I would have never gotten the loan to begin with. This is an outright scam.
13 december 2025
Omdöme utan inbjudan
Svar från PatientFi
Hi Angelica,
We’re sorry to hear there was a misunderstanding regarding your promotional period. We understand that seeing an interest charge of $900 is a significant and frustrating experience.
At PatientFi, we aim for full transparency regarding our 0% APR deferred interest promotions. To help our borrowers stay on track, we provide the following:
- The Signed Agreement: Terms are outlined clearly before the loan is finalized.
- Monthly Statements: Every statement includes the specific promotion expiration date.
- Real-Time Tracking: We include, online and in each statement, the total interest balance that has accrued so there are no surprises at the end of the term.
Our records show that these terms were presented at the time of purchase and on each subsequent statement. While we understand this is a difficult situation, these terms are standard for deferred interest promotions. If you would like to review your statements with us, please contact our support team at (866) 734-5979 or email us at support@patientfi.com.
Misleading loan terms
Misleading loan terms. I setup autopay as a condition to being approved for the loan, now I see the intent. When I set it up there was a "promotional 6 mo free interest" period, then it converted to a regular loan with interest, at least thats how it was explained to me. After the 6 moths, it converted to an INTEREST ONLY loan. I didnt catch it until 10 months of paying almost $300 of interest only payments to them a month, far exeeding what Ive paid down in principal during the promo period. Long story short, these are shark loans meant to draw clients in with misleading sales tactics so they can collect more interest payments than the actual loan was for in the first place, essentally making more money than what was paid to the original vendor. My advice, steer clear of these shark lenders, or make sure the loan terms they explain you on to SELL you on taking a loan out through them is in fact acrurate. Im now paying off the loan in full so that Im putting $100% of my monthly payment into their pocket while paying ZERO towards the actual loan.
25 februari 2026
Omdöme utan inbjudan
Svar från PatientFi
Hi Nicholas,
we take these concerns seriously and want to ensure your account is understood correctly. Our installment agreements provide clear terms at the time of signing regarding our 0% APR deferred interest promotions.
The 0% APR promotion is a deferred interest period. During these 6 months, interest is calculated on the declining principal balance but is not charged if the balance is paid in full by the expiration date. If a balance remains after 6 months, the interest balance becomes due.
Our loans are not 'interest-only.' Like a standard personal loan, payments are applied to interest first, then principal, and finally any fees (i.e. late fees, NSF Fees, etc.). We also do not charge compound interest. Once the deferred interest balance is satisfied, your monthly payments continue to pay down your principal until the loan is resolved. We encourage you to reach out to our support team so we can walk through your specific statement with you. We can be reached at 866.734.5979 or support@patientfi.com
The funds were quickly made available…
The funds were quickly made available and the support staff, especially Jackie in member support, was very professional, caring and helpful. Jackie went above and beyond to get an issue resolved where our account was incorrectly charged by a third party medical company. We would recommend using PatientFi for anyone that needs help budgeting extra medical expenses.
25 februari 2026
Omdöme utan inbjudan
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