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 bank.
|Interest Rate||Transaction Size||Repayment Term|
|0%||Less than $5,000||24 months (2 years)|
|0%||$5,000 - $15,000||60 months (5 years)|
|0%||$15,000 - $50,000||84 months (7 years)|
For 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.
The repayment period may be longer if you incur any late fee charges. The late payment fee is $15 on balances over $25.
Only one monthly payment is required.
Payments can be made by mail, phone or internet.
No loan set-up fees, loan origination fees or penalties on prepayment.
CepEsperu Baptist will handle the account setup for you.
What do I need to do?
Simply discuss the interest-free loan program with your CepEsperu Baptist Financial Counselor.
For further information, please contact CepEsperu Baptist Financial Counseling at -0681.