What “Up to 80%¹ Patient Financing Approval” Really Means and Why It Matters for Your Practice

Approval rate is one of the most commonly cited metrics in patient financing, and one of the most misunderstood.

With PatientFi, practices see up to 80% approval rates, reflecting how effectively the platform expands access to financing across real patient populations. This includes surgical patients, where approved applicants receive a zero-interest offer as part of their available options.*

Continue reading to learn what “up to 80% approval” actually means, what influences approval outcomes, and why approval rate plays such a critical role in patient confidence, bookings, and practice growth.

PatientFi reports approval rates of up to 80%, based on real patient applications across practices, procedures, and credit profiles.

TL;DR: Key Takeaways

What Does “Up to 80% Approval” Mean?

In practice, “up to 80% approval” means that most patients who apply are able to move forward with a financing option, often across a wider range of credit profiles than many expect. PatientFi is designed to approve more patients without sacrificing transparency or responsible lending.

What patients and practices can expect

• Broad access to financing: A large majority of applicants receive at least one financing option–with all surgical approvals receiving a zero-interest* offer.
• Inclusive approvals: Patients across a wide range of credit profiles can qualify, not just prime borrowers.
• Real-world performance: Approval rates are based on actual patient applications across practices, procedures, and price points.
• Confident conversations: Practices can confidently promote PatientFi financing knowing they’re offering a realistic path forward—not a false promise.

Because every patient and procedure is different, approval rates naturally fall within a range. That’s why we use “up to”– to reflect real-world variability driven by factors like treatment cost, patient credit mix, and plan selection.

The result is fewer stalled decisions and more patients moving forward.

What Is an Approval Rate and What Influences It?

In patient financing, an approval rate refers to:

The percentage of applicants who receive at least one financing option after completing an application.

An approval does not mean every patient receives the same plan. Patients may qualify for different options, including zero-interest promotional plans or low-APR installment options, depending on their profile and treatment cost.

Several factors influence approval outcomes:

• Patient credit mix: Platforms designed to support a broader range of credit profiles tend to approve more patients overall.
• Treatment cost: Higher-priced procedures require higher approval amounts, particularly in surgical care.
• Application experience: Fast, simple applications and no hard credit checks encourage more patients to apply and complete the process.
• Plan flexibility: Offering multiple financing options increases both approvals and patient acceptance.

Why Approval Rate Matters for Practice Growth

Approval rate is more than a financing metric–it’s a conversion driver.

Higher approval rates help practices:

• Convert more consults into booked procedures
• Reduce payment hesitation at checkout
• Support higher average treatment values
• Shift conversations from affordability to plan selection

When more patients are approved, the decision to move forward becomes easier, directly impacting practice revenue. When more patients are approved, fewer consults end in delays or drop-off, and more treatment plans turn into booked services. That consistency improves close rates, increases average case values, and reduces reliance on discounts or follow-up outreach to recover stalled opportunities. Over time, practices with higher approval rates don’t just see more yeses– they see more predictable, scalable revenue.

Frequently Asked Questions About PatientFi Approval Rates

Approval rates are often misunderstood in patient financing. Below are answers to the most common questions practices ask when evaluating PatientFi’s approval performance and patient financing options.

How Practices Should Talk About Approval Rates with Patients

The most effective approval-rate conversations are simple and confidence-building:

• “Most patients who apply with PatientFi are approved.”
• “Many patients are surprised by how accessible their options are.”
• “Applying is quick and won’t impact your credit. There’s no hard credit check with PatientFi.”

When approval rates are framed as easier access to treatment rather than a guarantee, patients feel informed, supported, and more comfortable moving forward.

The Bottom Line

PatientFi delivers approval rates of up to 80%, reflecting a financing experience built to expand access and help more patients say yes to care.

When approval rates are explained clearly and framed accurately, they become more than a statistic. They become a reliable growth lever for your practice.

¹PatientFi Data on File Q4 2025

*Zero-interest when paid in full during the promotional period, available for all approved surgical patients. Terms and conditions apply.