Noel R.
I took out a loan through PatientFi
I took out a loan through PatientFi, and despite having a credit score near 800, I was given a high interest rate. I paid the loan off early, but because they require automatic payments, I was still hit with a declined payment fee even though the loan had already been paid in full. A few days later, those automatic payments went through anyway. I called to ask if they could waive the $15 fee, but they refused. That tells me they’re more interested in squeezing extra fees from customers than treating them fairly. If this is how they treat someone with excellent credit who pays early, I worry about how they treat people with lower scores who are struggling.
Response from PatientFiJul 22, 2025
Hi Noel, Thank you for your feedback, and we’re sorry to hear about your experience. PatientFi takes all concerns seriously and we appreciate the opportunity to respond. To clarify, we do not require automatic payments. Borrowers are welcome to make manual payments at any time. In this case, it looks like the scheduled payment on July 16, 2025, was unable to process due to your bank, which is what triggered the $15 fee. That said, we always strive to be fair and transparent, and we’re sorry if that didn’t come through during your interaction with our team. We never want any of our borrowers regardless of credit score or financial situation to feel like they’re not being treated with care and respect. I’ve shared your experience with our team so we can continue improving. If there’s anything else you'd like to discuss, we’d be happy to connect.