In response to the rising cost of health care and the limitations of insurance, PFS Patient Financing was founded in 1997 with the goal of making health care for patients more affordable.

PFS specializes in the placing of loans and lines of credit that are convenient, affordable and flexible. This begins with our user-friendly application process. You can call in your application, a simple application can be obtained at your health care provider's office, or directly from PFS through our web site. Once the application is submitted, an answer can usually be provided within minutes.

Monthly payments can be quite low and the plan enables patients to avoid tapping into savings or investments to pay for health care.

PFS financing can be applied anywhere across the spectrum of health care, picking up where insurance companies leave off - or never go in the first place, to cosmetic surgeries such as liposuction, hair restoration, and facelifts, as well as cosmetic and implant, and orthodontic dentistry, laser vision correction, dermatology, orthotics and prosthetics, home health equipment, bariatric treatments, behavioral medicine, infertility treatment, and much, much more. PFS has also expanded its financial services to cover all expenses associated with adoption.