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FAQ: Lending Club Patient Solutionis

Flexible and convenient patient financing helps increase case acceptance.




Treatment financing from Lending Club Patient Solutions

What makes Lending Club Patient Solutions stand out among patient financing providers?

By offering flexible financing options, Lending Club Patient Solutions has made dental treatment more affordable for patients — and more convenient for practices. Formerly Springstone Patient Financing, dental payment plans have been offered through the company since 2007, and the plans allow low monthly payments covering a variety of procedures, including more comprehensive treatments, such as implants and restorations.

How do payment plans offered through Lending Club Patient Solutions make treatment more accessible?

To ensure that applicants can find solutions that fit their budgets, patients are offered two types of plans through Lending Club Patient Solutions. With Extended Plans, patients can finance up to $50,000, with loan terms to 84 months; this allows even the most robust treatments to be financed.1 In addition, promotional plans are available for patients who are able to pay off their purchases within the promotional period (complete details available at the company’s website).2 Both plans have been developed to help practices increase their case acceptance rates and allow more patients to receive ideal treatment.

Why would this be a good financing choice for my patients?

Financing through Lending Club Patient Solutions provides patients with flexible payment options. The application process is free, and with Extended Plans, applicants can make an initial review of their payment options without impacting their credit scores. Extended Plans provide a fixed APR based on credit history, amount financed and term selected. And there are no prepayment penalties. This tailored approach to financing allows more patients to move forward with treatment.

How can Lending Club Patient Solutions help my practice?

By offering these plans, dental teams can present patient financing more confidently, which leads to improved productivity. Plans based on each patient’s circumstances allow more patients to receive treatment. In fact, three out of four practices that use Lending Club Patient Solutions say the company’s approval rates are better than a leading competitor, especially when it comes to large cases.3

How can I get started?

Offering Lending Club Patient Solutions is an easy and straightforward process. There are no fees to enroll in the program, and practices can register online or by phone.


  1. Rates range from 3.99% to 24.99% APR. Terms available based on amount financed and credit history. All Extended Plan loans made by NBT Bank, N.A., member FDIC. Please visit lendingclub.com/providers for current rate information.
  2. True No-Interest Plans offer no interest for 6, 12, 18 or 24 months; after that, 23.23% variable APR. Interest will be charged to your account at the standard variable APR of 23.23% (based on the prime rate) from the end of the promotional period on the remaining balance if the purchase balance is not paid in full within the promotional period. Minimum monthly payments for this plan during the promotional period will be the greater of: the amount of the purchase divided by the number of months in the promotional period (rounded up to the nearest $1); or $5. Required minimum purchase of $499 for the 6-month plan; $999 for the 12-month plan; $1499 for the 18-month plan; $2499 for the 24-month plan. Lending Club Patient Solutions credit accounts are offered by Comenity Capital Bank, which determines qualifications for credit and promotion eligibility. Minimum interest charge is $1 per credit plan. Standard variable APR of 23.23%.
  3. Based on a September 2015 Lending Club Patient Solutions survey of registered dental practices that submitted multiple financing applications within the prior four months.

From Decisions in Dentistry. August 2016;2(08):49.

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