What We Finance

And More

Quick & Easy

Four easy steps to your installment plan

Safe & Secure

Bank-level encryption protecting your information

How It Works

1. Apply Online

Apply with our easy online application in under a minute.

2. Get an Instant Decision

Get our instant approval decision right away, displayed on screen along with the amount of funds available to you.

3. Begin Your Treatment

Proceed to your preferred health provider to finalize your payment plan and begin your health treatment without delay.

4. Make Payments

Health Smart will pay your healthcare provider directly. We will set up convenient pre-authorized monthly or semi-monthly payments from your designated bank account.

More Than


Applications Received

More Than


In Approved Credit

Find out how much you
will get approved for

No commitment, no obligation

High Approval Rate

Low Monthly Payment

No Penalty for Early Repayment


Accelerated Repayment

Full Transparency with 24/7 Online Account Access

Refer Your Provider to Health Smart

Start financing your treatment right away