- Q. What if I have had credit problems in the past?
- A. Citerra Financial has programs for most all types of credit histories. If you've been declined in the past by other finance companies, Citerra Financial may still be able to approve your loan request.
- Q. What will my interest rate be?
- A. Your interest rate will vary based on your credit history, selected loan term, and loan amount. We work with certain banks that have a twelve month interest free rebate pan. If you are able to pay back your loan within a year. A rebate for the interest you have given out to the bank will be mailed to you in a check. So in other words your interest will amount to 0%. Patients with excellent credit ratings who apply for financing through Citerra Financial qualify for extra-low interest rates. Even patients with past credit problems can qualify for very reasonable rates.
- Q. What loan terms are available?
- A. Available loan terms may include 12, 24, 36, and 48 months or a revolving credit line depending on your credit background.
- Q. Is there a pre-payment penalty?
- A. In most cases you may pay off your loan at any time without penalty.
- Q.
What if I have not selected a physician for the procedure I desire?
- A. Citerra Financial can provide you a list of physicians in your area for a consultation. Please email us at loans@CiterraFinancial.com if you have any questions.
- Q. Are there down payment requirements?
- A. Down payment requirements are determined based on your credit history and your health care provider's requirements, if any. If you have average or above average credit, you may not be required to put any money down.
- Q. How do I get more information?
- A. Citerra Financial's customer service department is ready to answer your questions. Please email us at
loans@CiterraFinancial.com.
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