What Citerra Finance offers and how its loans work
A:Citerra Finance is a patient financing company in Hubertus, Wisconsin, that lends patients money for elective procedures such as plastic surgery, cosmetic surgery, and dental work. Its homepage listed loans of $1,000 to $50,000 over 12 to 84 months in 2022, at annual percentage rates of 0.0% to 23.99%. Applying brings only a soft inquiry of the credit report, so a patient can check an offer without affecting a credit score.1
Citerra Finance pays the doctor directly, and the patient then repays the bank each month. Its FAQ says approval takes about 10 to 45 minutes, and the interest rate depends on the patient's or a cosigner's credit score. A patient may finance part of a procedure, and Citerra Finance says it can also finance travel for procedures done outside the US.2
Citerra's application policy says one application may be matched with multiple lenders, each of whom may obtain information from the patient's credit profile.3 On our reading, a practice offering Citerra Finance should tell patients that their application can reach several lenders, and should confirm current rates because the posted terms date to 2022. For more about Citerra Finance's loan terms for practices, see our Citerra Finance loan terms.
Notice
This article is for informational purposes only. It describes published sources and gives our opinion on what they mean for running a practice. It is not medical or legal advice, it does not create a doctor‑patient or attorney‑client relationship, and it should not be used to make any medical or legal decision. Discuss treatment with a qualified healthcare provider and legal questions with a licensed attorney. What it says about any company, product, or pharmacy comes from the sources cited below, and anything beyond them is our opinion. To report an error, email lazar@fractionalaesthetics.com and we will review it.
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More market research
About half of body contouring patients were ready at a PA or NP visit. When do the rest return?A PA or nurse practitioner found about half of body contouring patients ready.7 min read Juvéderm sales fell 11.8% year over year. How often do toxin patients add filler?In 2025, 13% of US toxin treatments came with a filler treatment, down from about 21% in 2017.5 min read Citerra Finance offers patient loans up to $50,000. What are its terms?Citerra Finance lists patient loans of $1,000 to $50,000 at rates of 0.0% to 23.99%.6 min readReferences (3)
- Citerra Finance, Citerra Finance - Medical Tourism - Patient Financing, 2022. Vendor-published. https://citerrafinance.com/ Back to where you were ↑
- Citerra Finance, Frequently Asked Questions, 2022. Vendor-published. https://citerrafinance.com/faq/ Back to where you were ↑
- Citerra Finance, Application Policy, 2022. Vendor-published. https://citerrafinance.com/app-policy/ Back to where you were ↑