Zero Percent Financing Through Commerce Bank

In support of our Patient and Family Promise to care for you, Wake Forest Baptist Health is pleased to provide the financial peace of mind of a zero-percent loan program. We are unique in our area to offer this kind of special credit arrangement to benefit our patients. An interest-free loan will help you to move forward with getting the care you need for a variety of services, including elective procedures which insurance does not cover.

Wake Forest Baptist Medical Center has partnered with Commerce Bank to offer an interest-free loan for up to $50,000 to enable you to plan for and manage your health care costs over an extended period of time. And the interest-free loans are available for all types of services.


All patients are approved and there is no credit check.

Patients will have to have their first appointment and a treatment plan in place prior to enrollment in Commerce bank.

Repayment Terms

Interest Rate Transaction Size Repayment Term
0% Less than $5,000 24 months (2 years)
0% $5,000 - $15,000 60 months (5 years)
0% $15,000 - $50,000 84 months (7 years)

For elective services such as bariatric, cosmetic or some eye surgeries, a down payment of 50 percent of the total cost will be required, with the Commerce Bank Loan available for the remaining 50 percent.

The repayment period may be longer if you incur any late fee charges. The late payment fee is $15 on balances over $25.


Only one monthly payment is required.

Payments can be made by mail, phone or internet.


No loan set-up fees, loan origination fees or penalties on prepayment.

Account Setup

Wake Forest Baptist will handle the account setup for you.

What do I need to do?

Simply discuss the interest-free loan program with your Wake Forest Baptist Financial Counselor.

For further information, please contact Wake Forest Baptist Financial Counseling at 336-716-0681.

Frequently Asked Questions