Affordable payment plans. Zero interest. Zero worries.

Life Transformation Recovery

Helping you afford your healthcare

Let's pay off your bills.

Get Started

Started an application? Continue >

What is ?

An easy way to pay bills over time, interest free.

  • Zero Interest

    Never pay extra on your bills.

  • Fixed Rate

    Your rate will never change—guaranteed.

  • Affordable

    Pay what you can afford monthly.

Why a payment plan?

Total Medical Bill:


  • With Standard Credit Card

    $109/mo | 14% APR


    Total Paid

    Paid off in 264 months

  • $139/mo | 0% APR


    Total Paid

    Paid off in 36 months

  • With Medical Credit Card

    $162/mo | 26.99% APR


    Total Paid

    Paid off in 291 months

Comparison based on typical interest rates charged with the lowest monthly payment possible comparable to a ProPatient plan.

Complete an application (that won't affect your credit) and turn your bills into affordable, monthly payments.

Get Started

How it Works:

  1. 1Tell us how much you owe and who you owe.
  2. 2Apply online in minutes and get a plan instantly.
  3. 3Verify your income and set up auto-payments.
  4. 4Relax knowing your bills are under control.

A payment plan you can afford

  • ProPatient Plans were created within the healthcare industry (not by banks or insurance companies) to make care affordable.

  • ProPatient providers agree to payment terms based on your ability to pay and you get zero interest, affordable monthly payments.

  • Zero interest, zero small print, zero deadlines means no extra expenses for you for the lifetime of your loan.

  • Unlike credit cards, your monthly payments go toward lowering your balance instead of interest, allowing you to payoff bills sooner.

Get started now

Our application is easy, secure and won't affect your credit.

Apply Now

Started an application? Continue>

Our promise to you

We make medical care affordable for everyone.

  • Nothing Tricky

    No introductory teaser rates that blow up into massive debt at high interest rates. Your terms stay the same during the entire payment term.

  • Nothing Hidden

    All rates and terms are clearly stated up front and there's no small type that you have to read to understand what's going to happen.

  • Fast + Easy

    Rest assured: applying for our hassle-free payment plan won't affect your FICO score and can be done quickly, in about 2 minutes.

  • Adjusted to You

    Our payment plans have monthly payments adjusted to your ability to pay based on your financial info – not a one-size-fits-all solution that’s unrealistic for your budget.

Resources to manage bills

Our partners can help keep you in control of your expenses.

  • Life Transformation Recovery has joined the Parasail ProPatient movement to help you better afford you and your family's health care.

    This hospital has committed to offering its patients a 0% interest payment plan option to help pay for out-of-pocket medical expenses.

    Invite your other doctors, hospitals or providers to join the program and help make medical care more affordable for patients.