# PatientFi

**Canonical:** https://apis.io/providers/patientfi/  
**Website:** https://patientfi.com/  
**APIs profiled:** 0

PatientFi is an Irvine, California patient-financing company that lets healthcare practices offer patients pay-over-time plans for elective and medical procedures — aesthetics and plastic surgery, medspa, cosmetic dental, fertility, audiology and hair restoration. Practices enroll as partnered providers, send patients an application link by SMS or from their own website, and issue a "transaction" against an approved patient spending limit; the practice is funded within one to three business days while the patient repays a bank-originated loan. Approvals reach $60,000 across the full credit spectrum through a waterfall of bank and credit-union lending partners. PatientFi markets "open APIs" for enterprise practice-management integrations and ships native in-workflow integrations with Nextech, PatientNow and ModMed plus redirect integrations with Symplast and Aesthetic Record, but publishes no public developer portal, API reference or machine-readable specification — API access is arranged through an enterprise partnership.

## Kin Score — 23.0 / 100 (emerging)

Scored 2026-09-02 under rubric 0.18.0. Trend: flat (+0.0 from 23.0).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 73.7 |
| Access Clarity | 73.7 |

Regulatory layer — **Payments**: 37.5 (matched via tags).

## Agent readiness — 2.5 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (2)

- **Patientfi Domain Security** — TLSv1.3 · HSTS · DMARC
- **Patientfi Trust Center** — trust center published

## Plans (1)

- **Patientfi Plans Pricing**

## Tags

healthcare-financing, Patient Financing, Consumer Lending, Point of Sale Financing, Buy Now Pay Later, Fintech, Payments, Embedded Finance, Aesthetics, Plastic Surgery, Med Spa, cosmetic-dental, Fertility, Audiology, Practice Management

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/patientfi/). Scores are computed from the provider's own public artifacts under a published rubric.