Instant Patient Financing

  • Health Smart Financial specializes in making out-of-pocket healthcare expenses more affordable for thousands of Canadians.
  • With over $160 Million in approved credit, 30,000 satisfied customers and thousands of health partners, Health Smart Financial is on a mission to ensure your budget never comes between you and your health.

Available On Any Device

  • Health Smart Financial has the fastest and easiest credit application process in healthcare financing.
  • Our online automated system makes it simple to apply from your home computer, tablet or smart phone.
  • You can from anywhere, including in your health provider’s office.
  • Click here to submit a secure online credit application.

How Does It Work?

  • Apply securely online or in your health provider’s office.
  • Receive an instant decision with you approved credit limit
  • Proceed to your healthcare provider to select the plan that fits your budget and to complete the transaction

Remember To Bring:

  • One piece of government photo ID.
  • One Secondary ID.
  • Void Cheque (or bank account details)

Borrower Benefits

  • Affordable rates and low monthly payments
  • Convenient monthly or semi-monthly direct debits
  • Renewable credit limit valid for one year that you and your family can use
  • Accelerated payment options
  • Pay early with no penalty