PrimaHealth Credit Partners with Citizens to Launch a First-to-Market Total Patient Finance Program

Comprehensive solution provides the first single credit application that can serve most patients

NEWPORT BEACH, Calif. & PROVIDENCE, R.I.–(BUSINESS WIRE)–PrimaHealth Credit, a patient financing platform, today announced a partnership with Citizens to enable more people to receive and finance the healthcare they seek. This partnership challenges the status quo with a first-of-its-kind financing solution that allows healthcare providers to serve most patients across the credit spectrum with a total patient finance solution.

This solution, called the Greenlight program, was purpose-built to help providers treat more patients, and to enable more patients to get the care they need with affordable payment options. Patients can access a credit application from any device and check to see if they’re pre-qualified for financing offers instantly.

Historically many patients have had to delay needed treatment such as dental, orthodontics, LASIK, and cataract surgery because of limited financing options and low approval rates. Providers have struggled to effectively manage fragmented financing solutions including house payment plans for patients that don’t qualify for traditional options. The combined PrimaHealth Credit and Citizens Pay offering solves these challenges with a total patient finance waterfall that can approve up to 90% of borrowers in minutes. This single-application solution dramatically improves the patient experience and enables healthcare providers to serve more patients.

“We are helping more people get the care they need through honest, gotcha-free financing,” said Brendon Kensel, founder and CEO of PrimaHealth Credit. “I’m thrilled to partner with Citizens not only because of their deep experience in point-of-sale finance, but because we share a common vision of setting new standards for access, transparency and fairness in patient financing, which combined with our total solution, represents a sea change in the industry.”

The PrimaHealth Credit platform is easy to use and offers clear disclosures, transparent APR rates with no hidden fees, and a universal application process. Citizens Pay is a point-of-sale finance leader, partnering with Apple and Microsoft and other progressive merchants in industries including electronic, retail, home goods & services, and jewelry. Citizens Pay empowers millions of customers with the ability to buy the items they need when they need them, online and in person, in a financially responsible and transparent way. This new partnership allows Citizens Pay to extend that experience to healthcare, enabling patients to get the care they need when they seek it, with transparent, predictable payment terms.

“The PrimaHealth Credit partnership is a game changer. What we have built with a single application eliminates the need — and headaches — for separate systems, applications, approvals and payments,” said President of Citizens Pay, Andrew Rostami. “PrimaHealth Credit’s deep expertise in the healthcare space, together with Citizens Pay’s experience building and scaling transformational buy now, pay later solutions is a powerful combination to disrupt the healthcare financing space.”


PrimaHealth Credit is a financial technology company that is democratizing access to healthcare through honest, gotcha-free financing. PrimaHealth Credit’s industry-first platform enables elective healthcare providers to serve patients across the credit spectrum with a total patient finance solution. For the first time, most patients – from those with great credit to credit challenges – can get the care they need with straightforward and affordable payment options. For more information, visit

About Citizens Financial Group, Inc.

Citizens Financial Group, Inc. is one of the nation’s oldest and largest financial institutions, with $185.1 billion in assets as of June 30, 2021. Headquartered in Providence, Rhode Island, Citizens offers a broad range of retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations and institutions. Citizens helps its customers reach their potential by listening to them and by understanding their needs in order to offer tailored advice, ideas and solutions. In Consumer Banking, Citizens provides an integrated experience that includes mobile and online banking, a 24/7 customer contact center and the convenience of approximately 3,000 ATMs and approximately 1,000 branches in 11 states in the New England, Mid-Atlantic and Midwest regions. Consumer Banking products and services include a full range of banking, lending, savings, wealth management and small business offerings. In Commercial Banking, Citizens offers a broad complement of financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, interest rate and commodity risk management solutions, as well as loan syndication, corporate finance, merger and acquisition, and debt and equity capital markets capabilities. More information is available at or visit us on Twitter, LinkedIn or Facebook.


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