How long does it take to get approved for Care Credit?

The approval process for Care Credit usually takes just a few minutes. However, in some cases, it may take up to two business days to process the application. To expedite the approval, it is recommended to apply online or by phone for a quicker response. When applying online, the applicant receives an immediate decision. If further information or verification is required, the approval notification may be postponed. Additionally, applicants who apply by phone may be required to send additional documentation for verification purposes, which could slightly lengthen the approval process. Overall, while most approvals are granted within minutes, it is advisable to apply in advance of any health or dental visits to ensure prompt financing availability.