Vision

If you don't see the answer to your question here, you may send us your question(s) using our Contact Us form, or by calling us toll-free at 1-877-559-5050.

What are Capital One Healthcare Finance interest rates?
How is my interest rate determined?
When is my first payment due?
What would my monthly payments be?
Can I prepay my loan?
How does Capital One Healthcare Finance differ from credit cards?
How do I apply?
What kind of information do I need to apply?
What is the minimum / maximum amount I can finance?
What if my doctor does not use your plan?
What if I don't know who my doctor is yet?
I have an existing Capital One Healthcare Finance loan, can I be approved for more financing?
How do I find out the balance on my loan?
Does the money go directly to the doctor or to me?
When should I apply for my loan?
Can I pay a portion of my vision fee and finance the rest?

What are Capital One Healthcare Finance's interest rate?
Interest rates ranges from 1.99% to 25.99% APR depending on your procedure amount and credit standing. Because the rates are fixed, your monthly payments will not change. You can prepay at any time without penalty, which will reduce the interest you pay. You can actually start treatment without any money initially out of pocket and then pay it off at your convenience, either through monthly payments or through a lump sum. Additional financing programs are available for people with credit concerns.

How is my interest rate determined?
The interest rate depends upon your treatment fee, repayment term, and credit standing. You can choose an 18, 24, 36, 48 or 60 month plan. The interest rate ranges from 1.99% to 25.99% APR. Because the rates are fixed, your monthly payments will not change.
Good credit standing is required.

When is my first payment due?
Your first monthly payment is due 4 weeks from the time we receive your signed contract. You won't need to pay anything until then.

What would my monthly payments be?
To estimate your monthly payments, use our Payment Calculator.

Can I prepay my loan?
Yes, you can prepay anytime without penalty. So if you want to pay a little extra any month or pay off the entire balance early, you'll minimize the amount of interest you pay.

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How does Capital One Healthcare Finance differ from credit cards?
Our rates are fixed for the entire length of your payment term unlike the variable rates offered by credit cards. Additionally, the interest rates we offer are lower than those of many credit cards, which means you will pay less.

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How do I apply?
You can apply using our secure online form, or you can call our toll-free number 1-877-559-5050. You can call from your home or office 7 days a week, and there are no fees to apply. The process is fast and easy. We'll ask you some very basic questions to help get you qualified. We will inform you quickly to let you know if you've been approved. You may also complete a paper application and fax or mail it to us.

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What kind of information do I need to apply?
The process is fast and easy. We'll ask you some very basic questions regarding residence and employment to help get you qualified. You must have a total gross family income of $15,000 per year and be at least 18 years of age to apply. You have the option of applying by telephone or online.

Data entered in the loan application form will be kept confidential and will be used by Capital One Healthcare Finance and/or its lenders for the purpose of eligibility determination.

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What is the minimum / maximum amount I can finance?
Financing is available for vision procedures ranging from $995 to $25,000.

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What if my doctor does not use your plan?
If your doctor is not currently signed up with our program, our sales consultants will contact him/her to discuss the merits of Capital One Healthcare Finance. Should your doctor decide not to register with our program, you will need to pay him/her via means accepted by the practice. Or, you can select another doctor registered with us. Please keep in mind that selecting the right physician to perform your vision work is the most critical step in ensuring your satisfaction with the results. Capital One Healthcare Finance strongly recommends that you carefully evaluate your ophthalmologist's credentials before moving forward. Capital One Healthcare Finance has not pre-screened the physicians registered for your particular vision needs.

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What if I don't know who my doctor is yet?
You can get pre-approved for a Capital One Healthcare Finance loan if you do not know who your doctor is. Once you have chosen your doctor we can then process the loan.

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I have an existing Capital One Healthcare Finance loan, can I be approved for more financing?
Yes, please contact our customer service department toll-free at 1-877-559-5050, to see if you can be approved for additional funding.

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How do I find out the balance on my loan?
Please refer to the toll-free number on your coupon book or monthly statement.

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Is my loan paid to me or my doctor?
Your loan is paid directly to the doctor.

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When should I apply for my loan?
You can apply anytime. Your loan is valid for a maximum of 90 days. Schedule your treatment within that timeframe. After 90 days, you will need to reapply.

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Can I pay a portion of my vision fee and finance the rest?
Yes, you can finance the rest of your vision fee as long as it is a $995 minimum.

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