What kind of payment options does MedCredit offer?

If the principal account balance is paid in full within 90 days from the list date, MedCredit Financial Services will waive the finance charges. MedCredit Financial Services allows you to make smaller monthly installments towards your balance which allows you to spread out your healthcare costs into a more manageable and affordable payment plan.


How do I sign up?

Ask for a MedCredit Consumer Agreement from a Patient Account representative, or contact your provider’s business office. Review the contract terms. Complete the top portion of the agreement indicating you agree with the finance terms and sign at the bottom.


When will I receive my first billing statement?

Your monthly statement with the minimum payment amount due will be mailed within 14 days of your account being listed at MedCredit Financial Services.


Where can I use MedCredit?

Click here to view accepting providers in your area.


What if my provider doesn’t accept MedCredit?

Click here to fill out a provider referral form


Do I need to complete an agreement every time I have medical expenses?

No. As long as your MedCredit Financial Services account is in good standing, additional medical expenses from Participating Providers can be added by contacting your Participating Provider’s office and letting them know you would like to add the new balance to your MedCredit Account.


What type of services can I add to my MedCredit Financial Services account?

MedCredit does not accept cosmetic procedures, elective procedures or retail purchases except for Bariatric Surgery, glasses and hearing aids.


How is MedCredit different from other finance companies?

MedCredit offers low interest financing with no hidden fees. The interest rate is billed at 8% annually which equals .67% monthly. There is also no credit checks required to finance your healthcare expenses.


What will my monthly payments be?

Click here to view our Payment Estimate Grid.


Find out how we protect your data

This website offers industry-standard security measures available through your web browser, including 128-bit encryption where applicable. We require the use of complex passwords, cookie expiration, password expiration and two factor authentication as we deem necessary to protect unauthorized access to this website. We reserve the right to lock any user account at any time for any reason to protect the security of the site.


Learn how to protect yourself

The user account we provide to you is intended to be your account for your use. We strongly encourage our users not to share their private user information and passwords. Further we encourage the use of strong passwords and frequent changes to the password.

Avoid printing documents unless necessary. If you need to store digital copies of invoices, ensure your computers or storage devices maintain sufficient security measures to avoid unauthorized access to your personal information by other individuals.

Make sure to log off your website and computer when not in use.


What does MedCredit Financial Services do with my personal information?

Click here to view our Privacy notice.


Why is my broswer not supported?

In order to provide the most secure and feature rich electronic presentment and payment portal possible, MedCredit has to continually enhance our web portal. As time and technology progresses, the underlying technology of older browsers either do not support or do not properly display these enhancements. Thus, we need to drop the support of those browsers.


How to make more than a minimum payment on your MedCredit account?

You can pay more than your minimum payment by following these steps.

  • Select the statement you would like to pay by placing a checkmark in the Pay column.
  • Click on the orange Pay Now button.
  • On the Payment Amount screen uncheck the Pay All box to the right that displays minimum amount due.
  • In the Payment Amount box enter the amount you would like to pay and click on the orange Next button.
  • Select a Payment Method, enter your credit card or banking account details and complete the payment transaction.

Pay by Phone by calling (763) 585-8444. There is no fee to make payments by phone.

Pay by mail use the following mailing address:
MedCredit Financial Services
P.O. Box 77037
Minneapolis, MN 55480-7737


How to setup a recurring payment on your account?

You can setup a recurring payment on your account by following these steps.

  • Once logged in, click on My Profile in the upper right hand corner.
  • Click on the Manage Payments section under the Profile Management section on the right hand side.
  • Click on the Scheduled Payments tab just under the Manage Payment Information header.
  • In the Recurring Payments section click on the pencil icon just to the left of the Account Type you want to setup.
  • Fill out the Payment Method with the saved payment method that is on file.
  • Fill out the Maximum Amount box with the max amount you want to automatically pay. Please note that if your invoice amount due is over this Maximum Amount due your payment will fail to process.
  • Select your Payment Term option.
  • If your selected Payment Term is ____ Days Before Due Date you must select the number of days in the Days Before Due Date box.
  • If you would like to be notified via email before your recurring payment will process, select the Notify Before Charge check box. Once checked, select the number of days before charge you would like to be notified. Then select the Notify via Email checkbox.
  • Once you have filled out all criteria, check the I approve this automatic payment and associated fees checkbox.
  • Once you hit the Update button your recurring payment will take affect on the next invoice that arrives.


Saved Payment Method

You can setup, update or delete saved payment methods without making a payment by following these steps.

  • Once logged in, click on My Profile in the upper right hand corner.
  • Click on the Manage Payments section under the Profile Management section on the right hand side.
  • Click on the Payment Methods tab just under the Manage Payment Information header.
  • In the Set Up Your Payment Methods section is where you will see your saved payment method(s), add new saved payment method or delete a saved payment method.
  • If you want to Add a Payment Method just click on the New button and enter in the required information.
  • If you want to Update a Saved Payment Method you will have to delete the saved payment and add a new payment method.
  • If you want to Delete a Saved Payment Method click on the saved payment method from the drop down menu, then click the Delete button and confirm.