PatientFi Recenzje 

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!

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.

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!!!!!!!

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.

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.

⭐☆☆☆☆

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.

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.

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!

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.

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.

service was amazing

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!

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.

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.

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.

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.

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.

Very rude customer service

This company scammed me. The man I first spoke to set up a payment plan for me, assuring me that I wouldn't have to pay interest. I trusted him; why wouldn't I? However, I ended up with a horrendous interest rate. I take accountability when the fault is mine, but this situation had nothing to do with me.

When I called again, there was no record of my previous call or of speaking to anyone. Finally, I spoke with, a very kind and thoughtful lady. She mentioned that there was a 30-day window for adjustments, but she would note everything and submit it for me. Due to the lack of records of my attempts to resolve the matter and update my card information, I am now being charged.

I strongly advise against using this company! Make sure you absolutely pay off the loan within six months if that's the promotion they offer. They will charge you an enormous interest rate, and you may be misled. I hate to write negative reviews, but I want consumers to be very cautious. If you call, make sure to note the agent's name and ID number, and always ensure there is a ticket created for your call.

Justin was very helpful and responsive! He was able to help me as he said he would!