Over the years, many Fresh Start guests have used PayBright (previously called Health Smart Financial Services) and MediCard by iFinance. They are reputable financing companies and have been around for a long time. When you do business with them, you are in good hands. They help thousands of financially responsible guests reach their goals and make it possible through affordable financing.

PayBright/iFinance: covers both your: Accommodations and Program but operate in slightly different ways.

Fresh Start has an account with these companies. Review below to see which one suits your needs, and feel free to apply to both. It won’t impact your credit rating.

Third-Party Financing Company

Please follow these steps in the order requested:

  • Finance pre-approval: get pre-approval from a financing company
  • Fresh Start approval: Fill out the Apply Now form and get approved by the Program Consultant
  • Finalize the Registration with Fresh Start: we will submit the invoice to the finance company
  • Finalize Financing Agreement: contact the financing company to sign the paperwork.
  • Funds transfer: the financing company will notify us when everything has been finalized, and they’ll send funds through a direct deposit to Fresh Start.

Welcome to your Fresh Start!! Congratulations on taking the next step to a more healthy you!

  • Cover your Program and Accommodations
  • No Income Documentation Required

  • Easy application with instant decision

  • High approval rate

  • Low monthly payments

  • No early repayment penalties

  • Skip-a-Payment

  • Competitive Rates

  • Canada Only

Find out how much you’ll get approved for. Your result will display instantly. Applying will not affect your credit score.

canada

For Canadian Guests

Medicard

  • Cover your Program, Accomodations and Travel.

  • Proof of income is required.

  • Quick approval process. Does not affect credit to get pre-approved.

  • Term flexibility, up to 72 months

  • No down payment or fees

  • Open loan

  • No fee for early pay out

  • Competitive Rates

  • Canada only

Apply online and contact Medicard within 4-8 hrs to find out if you’ve been approved. They work fast and a great company.

canada

For Canadian Guests

  • Cover your Program and Accommodations
  • No Income Documentation Required

  • Easy application with instant decision

  • High approval rate

  • Low monthly payments

  • No early repayment penalties

  • Skip-a-Payment

  • Competitive Rates

  • Canada Only

Find out how much you’ll get approved for. Your result will display instantly. Applying will not affect your credit score.

canada

For Canadian Guests

Medicard

  • Cover your Program, Accomodations and Travel.

  • Proof of income is required.

  • Quick approval process. Does not affect credit to get pre-approved.

  • Term flexibility, up to 72 months

  • No down payment or fees

  • Open loan

  • No fee for early pay out

  • Competitive Rates

  • Canada only

Apply online and contact Medicard within 4-8 hrs to find out if you’ve been approved. They work fast and a great company.

canada

For Canadian Guests

Fresh Start In House Payment Plan

We offer 6, 9 & 12 Months payment plans, depending the length of your program.  How it works: 50% deposit paid on registration and balance is broken into equal payments with the first payment due 30 days after the registration. It is a great way to save on interest fees and make your get well trip more manageable.

  • 7 Days Programs – 6 months
  • 14 Days Programs – 9 months
  • 21 Days Program – 12 months

If you have been declined by the transitional financing company, please speak to the Program Consultant.

DISCLAIMER: Fresh Start is not a financing company and does not make any money on offering payments plans.

  • Designed for guests who do not qualify through conventional means.

  • 50% Down Payment and first payment are due 30 days after registration.

  • 0% Interest.

  • Payments withdrawn from credit card – 2 Credit Cards required on file or a VOID cheque.

  • Loan can be paid out at any time without penalty.

Application Process

Application Process: Affirm 

Step 1. Apply Online

Step 2. View your results online instantly. It does not impact your credit score.

Step 3. Complete application and sign agreement.

Step 4. PayBright pays your service provider directly within one business day.

Step 5. Your monthly payment is electronically debited from your chequing account.

Application Process: Medicard

Step 1. Apply Online

Step 2. Medicard will notify you of the credit decision by phone.

Step 3. Medicard will confidentially fax or email the documents to you for signature.

Step 4. You sign and return the documents with a void cheque to Medicard.

Step 5. Medicard pays your service provider directly.

Step 6. Your monthly payment is electronically debited from your chequing account.

Creative Financing Ideas

  • Home Equity Loan-you worked for your home, let it work for you now

  • RRSP-enjoy healthy retirement

  • Line of Credit-most have very low interest rates

  • Bank Loan-against valuable asset

  • Sell what you no longer need-invest freed up energy into your longevity

  • Family/Relatives Help-parents DO CARE but it takes courage to ask them

  • Downsize-house, car, boat…closet?

  • GoFundMe.com-reach out to your friends, family to assist you in your wellness journey.

Your Emotional Wellness Retreat Will Be a Life-Changing Experience

I NEED HELP

OR

MY FAMILY/FRIEND NEEDS HELP