Credit without the credit check. Basis doesn't use credit scores.
Credit without the credit check. Basis doesn't use credit scores.
Basis keeps you in the driver’s seat
Pay off your loan early, and don’t worry about pre-payment penalties.
View your complete payment history
Change upcoming payment dates
Why Basis?
1. No credit check needed.
2. Qualified patients receive 0% APR with our merchant partners.
3. All dental procedures covered.
4. Flexible repayment terms.
5. All it takes is a U.S.-based bank account to get started!
Basis is a pay-over-time financing solution that helps you pay for your dental bills, without the hassle of a credit check. Basis will never base your eligibility on a credit score or ask for your social security number. All it takes is a U.S.-based bank account to get started!
What makes Basis different? For one, Basis will never check your credit score or require a social security number. All it takes to get started is a U.S.-based bank account that has been active for at least 90 days. There is also no income requirement to qualify for Basis.
Whenever you have a bill or need help paying for a treatment, just ask your dental provider about Basis and they’ll send you an invitation via text or email to set up your Basis account. To check how much financing you’re eligible for, simply enter your online banking credentials into our secure portal and within minutes you’ll receive a credit limit. Enter the amount of your bill, the repayment terms that suit you best, and your dental provider gets paid! Just repay your loan over time, and that’s it!
No, Basis will never check your credit (hard or soft) as part of the approval process.
No, Basis does not require a social security number.
No! When you secure a loan through Basis, there is no downpayment. You pay $0 upfront!
Once your dental provider sends you an invitation to create a Basis account, you’ll securely link your online bank account to our portal. Basis will then review your transaction history to determine your financing limit. We strongly recommend connecting a bank account that you deposit your paychecks into because accounts that display frequent and consistent deposits are more likely to get approved for a higher financing limit.
There is no limit to the number of loans qualified customers can have. The maximum amount that a qualified customer can borrow for all loans at the same time is $10,000.00.
No, there is no income requirement to qualify for Basis.
Qualified customers enjoy favorable interest rates, starting as low as 0%. No approved customer will ever have an interest rate higher than 9%!
Yes! You can select the repayment frequency that works best for you. Select from monthly, semi-monthly (2x a month), or bi-weekly (every 2 weeks).
Any U.S.-based checking account that has been active for at least 90 days is eligible for Basis.
Yes, we ensure that your banking information is kept secure by utilizing bank-level data protection technology provided by our security partner Plaid. For more information on Plaid’s security measures, please visit https://plaid.com/how-we-handle-data/
You will not receive a bill in the mail. All correspondence, including payment reminders, will be sent to you via the email address and phone number that are linked to your account. Within your Basis account, you’ll have access to your loan agreement and full payment schedule.
Basis is not able to adjust your approved amount. However, if you are moving forward with a treatment that is higher than your approved amount, you can ask your dental provider about paying the difference with an alternate payment method.
You can find a copy of your loan agreement in the Loan Details section of your Basis account.
We’ve got you covered! Our Patient Success team is here to help answer your questions. Contact them at support@hellobasis.com or chat with them directly through your patient portal. Our Patient Success team is available Monday–Friday, from 9am – 6pm EST.
Repayments are automatically withdrawn on the selected repayment schedule (i.e., monthly, semi-monthly) from the connected bank account on file. Basis will notify you via email and text 2 days prior to the payment being withdrawn.
Yes, you can make additional payments or pay off the total outstanding balance on your loan(s) by logging into your Basis account and selecting the Pay Now button. There is no prepayment penalty to repay your Basis loan early!
Repayment terms vary between 4–24 months, depending on the amount of your loan.
Yes, you can change an upcoming payment’s due date depending on your repayment frequency.
Monthly — up to 3 weeks from the original due date.
Semi-monthly or biweekly — up to 1 week from the original due date.
If you decide not to proceed with treatment, your dental provider will need to notify/refund Basis for the applicable refund amount. Once Basis is refunded, your loan will either be adjusted or canceled and the connected bank account on file will be refunded accordingly.
No, if you obtain more than one loan with Basis, your payments will NOT be combined. For example, if you obtained a $500 loan today and had previously obtained a $2500 loan six months earlier, each loan would have a separate payment schedule with separate loan terms (the amount of time you would repay Basis for each loan). Your $500 loan would be required to be repaid in 4 months while the $2500 loan would be required to be repaid in 12 months.
Yes, you can schedule your payments to take place on the same date. However, as referenced in the previous question, each loan payment will operate on separate terms. For multiple loans Basis cannot consolidate payments.
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