0% solutions.

better access.

Give your patients a CHOICE with 0% options and the most flexible patient financing solution in the industry.

The most inclusive, comprehensive patient-centric solution in the industry.


0% interest options for all patients.

0% APR Payment Plan

  • Every patient can choose a 0% interest option
  • All patients qualify
  • Payments amounts and repayment periods are tailored specifically to a patient’s balance
  • One payment for all charges
  • Special program for self-pay, balance after insurance, or catastrophic balances
  • No credit reporting, credit checks, or sales to debt collectors

Lower Monthly Payment Plan

  • Patient can choose a lower payment amount (with interest)
  • Flexible options allow more patients to pay-in-full and increases yield

Supplement to Financial Assistance

  • Special extended repayment option for designated accounts
  • Always 0% interest
  • Can align with health’s systems FAP sliding scale
  • Payment based on 1% or .5% of payment owed
Engage every patient with three options.

this is choice.


  • Great for patients with high deductible health plans
  • Balances less than $12,000
  • 0% interest option program

Choice Plus

  • Good for patients with catastrophic bills.
  • Affordable fixed rates with no balance caps.
  • Balances more than $12,000
  • 0% interest option with extended terms available

Choice Outreach

  • Designed for patients with partial financial assistance.
  • This package gives the greatest flexibility for patients who need it most.
  • Available for any balance
  • 0% interest for life of account
  • Patient pays a low percentage of balance owed

choice in action.



provider average recourse



provider average recourse



provider collection rate average pay-in-full that start out in our 0% interest program.



hospital self-pay collection rate

Watch Collection Rates Soar & Recourse Decline

Smart cash acceleration

Propensity-to-pay determines cash acceleration, lowering recourse to while increasing revenue collected. 

Self-Service Capability

Patients maintain convenience and privacy with 24/7 access from anywhere.

No Exclusions

Every patient has access to our 0% option no matter their credit rating. The flexibility of our terms increases patient satisfaction.

Choose AccessOne as your payment platform and let “do no harm” extend from appointment to payment.