0% APR, No Interest Orthopedic Financing at Mid State Orthopaedic & Sports Medicine Center
At Mid State Orthopaedic & Sports Medicine Center, we believe financial concerns should never stand in the way of high-quality orthopedic care. That’s why we’ve partnered with iVitaFi1 to offer 0% APR, interest patient financing, helping make out-of-pocket medical expenses easier to manage.
Whether you’re preparing for an upcoming procedure or addressing costs from a recent visit, this option allows you to receive the care you need now and pay over time—without interest.
What Is 0% APR, No Interest Medical Financing
0% APR, no interest financing allows eligible patients to spread their medical costs into predictable monthly payments rather than paying everything upfront. There is no interest charged on your balance.
As part of the application process, patients make an initial payment at signing. This is not a fee. It is your first payment, applied directly to your balance and reducing the amount you owe. Your monthly payments start the next month.
How Our Orthopedic Payment Plan Works
1. Simple, Secure Application
Applying takes just a few minutes and can be completed online. Applying does not impact your credit score, and patients across a wide range of credit profiles are encouraged to apply. iVitaFi manages the credit line program and offers excellent customer service to our patients.
2. Clear Terms and Predictable Payments
If approved, you’ll see all financing details clearly before accepting, including:
- Your approved credit line
- Your monthly payment amount
- The payment due at signing
The payment due at signing is typically equal to your monthly payment. This payment activates your account and is applied directly to your balance. Your next payment will not be due for at least 30 days.
There are no interest charges and no hidden fees, and repayment terms may extend up to 36 months, depending on eligibility.
3. Easy Payment Options
The payment due at signing can be made using:
- Credit card
- Debit card
- HSA card
- FSA card
Ongoing payments can be managed through iVitaFi’s secure online portal with 24/7 account access using your credit card, debit card, HSA card, FSA card, or ACH payment.
Why Choose Mid State Orthopaedic & Sports Medicine Center and iVitaFi for Patient Financing?
0% APR, No Interest
You’ll never pay interest on your financed balance.
No Surprise Costs
The initial payment is clearly shown before you accept financing and goes directly toward your balance—it is not an extra fee.
No Impact to Credit Score to Apply
Checking eligibility does not affect your credit score. The iVitaFi program offers help to patients of all credit profiles.
Designed Around Patients
Flexible, extended payment terms help make orthopedic care more accessible and manageable.
Orthopedic Services Eligible for Financing
This financing option may be used for many Mid State Orthopaedic & Sports Medicine Center services, including:
- Surgeries
- Physical therapy
- Diagnostic imaging
- Follow-up and ongoing care
In many cases, your line of credit may also be reused for future eligible services because your account is in good standing.
Frequently Asked Questions
Is this really 0% APR, no interest?
Yes. No interest is charged on your balance.
Is there an upfront fee?
No. There is no fee. An initial payment is required at signing, but it is your first payment and is applied directly to your balance.
How much is the payment due at signing?
It is typically equal to your monthly payment amount. You will see this clearly before accepting the financing terms.
When is my next payment due?
After the initial payment at signing, your next payment is due at least 30 days later.
Will applying affect my credit score?
No. Applying does not impact your credit score.
How do I make payments?
The initial payment can be made using a credit card, debit card, HSA card, or FSA card. Ongoing monthly payments can be managed online through the iVitaFi portal. ACH can be added in the portal after initial payment.
Get Started Today
To learn more about Mid State Orthopaedic & Sports Medicine Center patient financing or to begin the application process, call:
Our team is happy to help you understand your options and determine whether this financing program is right for you.
With 0% APR, no interest financing, Mid State Orthopaedic & Sports Medicine remains committed to providing exceptional orthopedic care—while helping make the cost of care easier to manage.
