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Paytient

Paytient

Feel better. Pay later.

3.8K ratings
350 reviews
💰 Finance
🏥 Medical
Free

Details

  • Released
  • Updated
  • August 2, 2018
  • July 28, 2026

Features

Developer

Paytient Technologies, Inc
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Paytient screenshot #1 for iPhone
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Paytient screenshot #5 for iPhone
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About

This app provides a sponsored line of credit for out-of-pocket healthcare expenses for your entire family. It allows you to pay for care over time with no interest or fees, covering copays, coinsurance, and bills received after treatment. Manage your account, track spending, and set flexible repayment plans easily.

✓Interest-free healthcare credit
✓Pay for care over time
✓No fees or credit checks
✓Flexible repayment plans
✓Track spending and manage transactions
✓In-app chat support
✓Use HSA/FSA funds
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What users say

Summarized from real user reviews of Paytient. Based on 3.8K reviews and a 4.9/5 average, it highlights the 7 positives and 3 negatives reviewers mention most about this Medical app.

Positive things

  • 💳Helpful payment option
  • 🤑Affordable payment plans
  • 🤝Great customer service
  • 🧠Convenient and easy to use
  • 🏥Enables access to medical care
  • 🐶Can be used for pet expenses
  • 🙌Life-changing benefit

Negative things

  • 🐛Login/password issues
  • ⚠️Unreliable at times
  • 🚫Accounts closed for unclear reasons
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+1

What's New in Paytient

7.93.0

July 28, 2026

We're working hard to empower you to pay for care. This update fixes bugs and prepares the app for future enhancements.

User reviews

Most RecentHighest RatedLowest Rated

FOREVER GRATEFUL

I was so grateful to learn that I was offered the opportunity to accept an account with Paytient Care Credit and was super easy to apply and set up account for autopay, I have been pay for my biweekly Dr. Appointment that used to cause a huge financial issue in my budget but now I am able to pay on my own schedule and manage my budget without the stress. The Help desk has been Amazing and so helpful every time needed I can’t say enough about the experience I have had thus far… Thank You Paytient Care I am truly Thankful for all.
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BabygyrrlBabygyrrl

Helpful

Paytient in helpful
BmeshaBmesha

Enjoy Paytient

Great card to use when I need to pay copayments or won my bill for the dentist. 5 stars no question
BlackSupaMan34BlackSupaMan34

Greatest of all time

I’m so blessed to have pay later, or there’s many times I would not be able to afford healthcare.
Zoekitkat20Zoekitkat20

Paytient

Love the no intrest payment plan , pay as low as you can as long as you make a payment monthly.This is what I needed for my dental care. Thank you Paytient
Mamma-dramaMamma-drama
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User experience

🐞

Reported Bugs

2 issues

Login screen freezes

Bug

Incompatible with older devices

Bug
✨

Requested Features

3 requests

Expand coverage beyond medical

Feature

Improve login/password functionality

Feature

Provide more transparency on account closures

Feature

FAQ

What is Paytient?

Paytient offers a sponsored line of credit for out-of-pocket healthcare costs for your family. It allows you to pay for medical care over time with no interest or fees. Your employer or health insurer typically provides this benefit.

How does Paytient work?

Once offered the Paytient card, you can create an account quickly and activate a virtual Visa card. You can use this card for copays, coinsurance, or bills received after treatment. After each transaction, you set a repayment plan that fits your budget.

Are there any fees or interest charges with Paytient?

No, Paytient is designed to be interest-free and fee-free for members. Your employer or health insurer covers the cost of providing you with this interest-free line of credit for healthcare expenses.

What kind of healthcare costs can I pay for with Paytient?

You can use your Paytient card to cover a wide range of out-of-pocket healthcare costs. This includes copays at the time of treatment, coinsurance, and any medical bills you receive after your visit, even those not fully covered by your insurance.

Can I use my Health Savings Account (HSA) or Flexible Spending Account (FSA) with Paytient?

Yes, Paytient allows you to make payments using funds from your Health Savings Account (HSA) or Flexible Spending Account (FSA). This enables you to utilize your tax-advantaged accounts for your healthcare expenses.