Log in through the CareCredit website or mobile app
To pay your CareCredit bill, you first need to log in at www.carecredit.com. On the homepage, click "Log In" in the top right corner. Enter your username and password — these are the credentials you created when you first opened your account. If you do not remember your username or password, click "Forgot Username?" or "Forgot Password?" and follow the prompts to reset them using your email address or the phone number on file.
CareCredit also offers a mobile app available on iOS and Android. Download it from the App Store or Google Play, then log in with the same username and password. The app shows your balance, recent transactions, and payment options in the same way the website does.
If you have never logged in before, you will need to set up your online account first. Visit carecredit.com and select "Enroll Now" or "Register" to create a username and password using your card number and other account details from your physical card or statement.
Key Takeaways
- Log in at carecredit.com or use the mobile app with your username and password to reach your account dashboard.
- You can pay your full balance, make a minimum payment, or set up automatic monthly payments once you are logged in.
- Payment methods include bank account transfer (ACH), debit card, or credit card, and most payments post within one business day.
- If you miss a payment, your account may be reported to credit bureaus and you may lose promotional financing offers on future purchases.
- You can also pay by phone at the customer service number on your statement without logging in online.
Payment options after you log in
Once you are logged in, your account dashboard shows your current balance, due date, and minimum payment amount. Click "Make a Payment" or "Pay Now" to choose how much to pay. You can pay your full balance, your minimum payment, or any amount in between.
CareCredit accepts three payment methods: a bank account (ACH transfer), a debit card, or a credit card. Bank transfers typically have no fee and post within one to two business days. Debit and credit card payments may carry a fee depending on your card issuer, though CareCredit itself does not charge a processing fee. The payment screen will show you the exact amount and posting date before you confirm.
After you submit payment, you will receive a confirmation number. Keep this for your records. The payment will appear in your account as "pending" until it posts, usually within one business day for ACH transfers and same-day for card payments.
Set up automatic payments to avoid missing a due date
You can arrange for CareCredit to deduct your payment automatically each month. Log in, go to "Account Settings" or "Manage Payments," and select "Set Up Auto Pay." Choose whether you want to pay your full balance, your minimum payment, or a fixed amount each month. Select the day of the month when the payment should process and the payment method (bank account or card).
Automatic payments reduce the risk of a late payment, which can trigger a fee and damage your credit score. You can change or cancel automatic payments at any time through your account settings. CareCredit will send you a reminder email before each automatic payment processes.
Pay by phone if you do not want to log in online
You do not have to use the website or app to pay. Call the customer service number on the back of your CareCredit card or on your statement. A representative can take your payment over the phone using a bank account, debit card, or credit card. This route takes about five to ten minutes and does not require you to remember your login credentials.
Phone payments post on the same timeline as online payments — usually within one to two business days for bank transfers and same-day for card payments. You will receive a confirmation number by phone and can ask for it to be emailed to you as well.
What happens if you miss a payment
If your payment is not received by the due date shown on your statement, CareCredit will report the late payment to credit bureaus after 30 days. A late payment can lower your credit score and may result in a late fee, which varies but is typically $25 to $40. Your account may also lose any promotional financing offer (such as 0% APR for a set period) that you were using.
If you miss a payment, contact CareCredit as soon as possible. You can log in and make a payment immediately, or call customer service. Paying as soon as you realize you are late can limit the damage, though the late payment will still appear on your credit report once it is reported.
If you are having trouble making your payment, CareCredit may offer a hardship program or payment plan. Call customer service to discuss your situation and ask what options are available.
Understand your statement and balance
Your CareCredit statement shows your current balance, minimum payment due, due date, and interest rate (APR). If you have a promotional offer such as 0% APR for 12 months, the statement will show when that period ends. Any purchases made during the promotional period will be charged interest at the regular APR if you do not pay off the balance before the promotion expires.
Your balance includes any new purchases, interest charges, and fees. If you are carrying a balance from month to month, interest accrues daily at your APR. Paying more than the minimum payment reduces the amount of interest you owe and helps you pay off the balance faster.
You can view your full statement online after logging in, or request a paper statement by mail. Statements are typically available 21 days after your billing cycle closes.
Troubleshoot login problems
If you cannot log in, the most common causes are a forgotten username or password, or an account that has not been activated yet. Use the "Forgot Username?" or "Forgot Password?" links on the login page to reset your credentials. You will need to verify your identity using your email address, phone number, or card number.
If you recently opened your CareCredit account and have never logged in, you may need to activate your online account first. Go to carecredit.com and select "Enroll Now," then follow the steps to create your username and password.
If you still cannot log in after resetting your password, or if you see an error message, call CareCredit customer service at the number on your card or statement. A representative can help you regain access to your account or process a payment over the phone while you resolve the login issue.
Frequently Asked Questions
How long does it take for a payment to show up in my account?
Bank account transfers (ACH) typically post within one to two business days. Debit and credit card payments usually post the same day or next business day. Once your payment posts, your balance will update to reflect it. You can check the status of a pending payment by logging in and viewing your account dashboard.
Can I pay my CareCredit bill with a different bank account than the one I used before?
Yes. Log in, go to "Manage Payments" or "Payment Methods," and add a new bank account or card. You can save multiple payment methods and choose which one to use each time you pay. You can also delete old payment methods once you no longer need them.
What if I pay more than my minimum payment?
The extra amount goes toward your principal balance, which reduces the total interest you owe. CareCredit applies overpayments to your account immediately. There is no penalty for paying more than the minimum, and paying extra can help you pay off your balance faster, especially if you are carrying interest charges.
Do I lose my promotional financing offer if I am late on a payment?
Yes. If you miss a payment and it is reported as late, you will lose any promotional offer (such as 0% APR) on your account. The regular APR will apply to your balance going forward. This is why setting up automatic payments or paying on time is important if you are using a promotional offer.
Can I pay my bill through my bank's bill pay service?
Some banks allow you to send a check or electronic payment to CareCredit through their bill pay system. However, the most reliable way to pay is directly through carecredit.com or by phone, because you get immediate confirmation and can see your payment post in real time. If you use your bank's bill pay, allow extra time for the payment to reach CareCredit and post to your account.