CapitalOne Healthcare Finance

Pitch to patients: "If your doctor is not currently signed up with our program, our sales consultants will contact him/her."

Pitch to doctors: "Many patients using our programs have indicated that they would not have had treatment if our programs were not available."

Percentage of doctor's fee that lender keeps: Up to 12.99% on no-interest loan for 18 months, up to 7.5% on installment loan of 18 months to five years.

Finance terms: No interest up to 24 months (if balance not paid in full, retroactive APR of 22.99%) or fixed APR of 1.99% to 25.99%.

Chase HealthAdvance

Pitch to patients: "So go ahead and schedule that procedure you have always wanted."

Pitch to doctors: "Refrigerators, carpet, televisions, even tires are advertised with interest-free financing. This is what attracts consumers."

Percentage of dentist's fee that lender keeps: 4.9% on no-interest loan for three months, up to 13.9% on no-interest $5,000 loan for 24 months, 4.99% on extended-payment plans. (Rates may vary for other health-care professionals.)

Finance terms: No interest for up to 24 months (if balance not paid in full, retroactive APR of up to 27.99%) or fixed APR of 11.99% to 27.99%.

Citi Health Card

Pitch to patients: "Some things in life can be put off. Fortunately, quality health care doesn't have to be one of them."

Pitch to doctors: "Some patients/clients may be too embarrassed to ask if financing is available. The biggest obstacle to treatment acceptance is often affordability."

Percentage of doctor's fee that lender keeps: 10.95% on no-interest loan for 18 months with a balance of $599 or more, 4.5% on extended-payment plan.

Finance terms: No interest for up to 18 months (if balance not paid in full, retroactive APR of 21.98%) or fixed APR of 12.96%.

GE Money CareCredit

Pitch to patients: "Maybe you'd like a brighter smile or better vision. Maybe you want to freshen your look. Or maybe your family pet needs a surgery you didn't plan for."

Pitch to doctors: "The average American only has about $300 available credit on their consumer credit cards and cannot comfortably write a check for more than $500 out of their monthly cash flow."

Percentage of doctor's fee that lender keeps: 13.5% on no-interest loan for 18 months, 5% on extended-payment plans.

Finance terms: No interest for up to 18 months (if balance not paid in full, retroactive APR of up to 23.9%) or fixed APR of 11.99%.