Zero Percent Financing Through Commerce Bank
In support of our Patient and Family Promise to
care for you, CepEsperu Baptist Health is pleased to provide the financial
peace of mind of a zero-percent loan program. We are unique in our area to
offer this kind of special credit arrangement to benefit our patients. An interest-free loan will help you to move
forward with getting the care you need for a variety of services, including
elective procedures which insurance does not cover.
CepEsperu Baptist Medical Center has partnered
with Commerce Bank to offer an interest-free loan for up to $50,000 to enable you
to plan for and manage your health care costs over an extended period of
time. And the interest-free loans are
available for all types of services.
- All patients are approved and there
is no credit check.
- Patients will have to have their first
appointment and a treatment plan in place prior to enrollment in Commerce
Interest Rate Transaction Size Repayment Term
0% Less than $5,000 24 months (2 Years)
0% Between $5,000 and $15,000 60 months (5 years)
0% Between $15,000 and $50,000 84 months (7 years)
elective services such as bariatric, cosmetic or some eye surgeries, a down
payment of 50 percent of the total cost will be required, with the Commerce
Bank Loan available for the remaining 50 percent.
repayment period may be longer if you incur any late fee charges. The late
payment fee is $15 on balances over $25.
one monthly payment is required.
can be made by mail, phone or internet.
- Fees - No
loan set-up fees, loan origination fees or penalties on prepayment.
Setup - WFBH
will handle the account setup for you.
What do you need to do?
Simply discuss the
interest-free loan program with your WFBH Financial Counselor
For further information, please
contact WFBH Financial Counseling at -0681.
I do not have a Social Security
Number (SSN) but have an Individual Taxpayer Identification Number (ITIN), can
I open an account?
Yes, we can open an account for you!
Commerce Bank MUST have an SSN or ITIN to establish a HSF account.
May I set up a joint account with my
Answer: No, the Commerce Bank Line of Credit can only
have one guarantor.
If a person other than the account holder contacts Commerce Bank regarding an
account, no information will be provided.
Commerce Bank only has the account holder’s personal information to
verifier the caller.
How do I make payments?
Your options include by mail, phone, or online.
If you wish, you can set up automatic payments using the ACH form in
your first 2 statements or call 1-855-893-1292 for setup.
I enrolled for a Commerce Bank Line
of Credit but changed my mind and wish to withdraw.
We will contact Commerce Bank and have your account closed. You will need to let us know how you wish to
pay your remaining balance at that time.
Email the designated WFBH Financial Counselor and they will contact Commerce
Bank to have the account closed.
I signed up for my Commerce Bank
Line of Credit but have not received my statement yet?
Answer: Typically, you will see you first statement
between 30-45 days from your enrollment.
Feel free to call Commerce Bank at 1-855-893-1292 for additional
information. Please know prior to
contacting Commerce Bank that only the person on the account will be able to
obtain information from Commerce Bank.
What if I have a Commerce Bank Line
of Credit established but have a second event?
The new balance can be added to the existing Line of Credit.
Is it possible to change my
statement date with Commerce Bank?
- Answer: Yes,
after you receive your first statement from Commerce Bank, call 1-855-893-1292
and request your statement date change.