24 months
Illustrative monthly payment
About $692
- Estimated loan repayment
- $16,611
- Estimated interest
- $1,611
Higher payment, less interest
Costs & Payment Planning
Understand Your Monthly Payment Options
See how the amount you borrow, your repayment time, and the rate can change your monthly payment. Explore examples at your own pace, then speak with TRC if you would like help understanding the next steps.
Start with an estimate. No application is needed to use this calculator.
TRC is not a lender. Financing approval, rates, fees, and repayment terms are determined by the lender.
What Could My Monthly Payment Look Like?
Try a few amounts and repayment times to see how the numbers change. This is an example, not a loan offer or a prediction of what you will qualify for.
Use your estimate, or enter an amount to explore.
Money you plan to pay without financing. This is not a deposit request.
A hypothetical rate for illustration. Enter another rate to compare.
Illustrative Monthly Payment
About $380 / month
48 monthly payments · Hypothetical 9.99% APR
- Amount financed
- $15,000
- Estimated loan repayment
- $18,258
- Estimated interest
- $3,258
- Upfront amount
- $0
- Estimated total paid including upfront amount
- $18,258
A longer repayment time can lower the monthly payment while increasing the total interest you pay. Compare both before deciding.
Figures are approximate and rounded from unrounded calculations. Actual payment schedules can differ.
Explore Financing InformationIllustration only. Assumes a fixed-rate loan with equal monthly payments and no fees. The example APR equals the annual interest rate in this no-fee model. Actual rates, fees, payment schedules, eligibility, and available terms depend on the lender. This calculator does not check your credit or submit an application.
Compare Monthly Payments and Total Cost
These examples use the same hypothetical 9.99% APR with no fees. The repayment time changes. Longer terms lower the monthly payment in these examples, but increase the total interest.
$15,000 financed · Hypothetical 9.99% APR · No upfront contribution · No fees
48 months
Illustrative monthly payment
About $380
- Estimated loan repayment
- $18,258
- Estimated interest
- $3,258
More time to repay
72 months
Illustrative monthly payment
About $278
- Estimated loan repayment
- $20,002
- Estimated interest
- $5,002
Lower payment, more interest
In this example, choosing 72 months instead of 24 months lowers the payment by about $414 per month, but adds about $3,392 in total interest.
These are hypothetical calculations, not available offers. Assumes $15,000 financed, no upfront contribution, fixed 9.99% APR, no fees, and equal monthly payments. Figures are rounded. Approval and actual terms are determined by the lender.
Examples at Other Borrowing Amounts
Hypothetical 9.99% APR · No fees · Rounded monthly amounts
$10,000 financed
- 24 months
- $461 per month
- 48 months
- $254 per month
- 72 months
- $185 per month
$15,000 financed
- 24 months
- $692 per month
- 48 months
- $380 per month
- 72 months
- $278 per month
$25,000 financed
- 24 months
- $1,154 per month
- 48 months
- $634 per month
- 72 months
- $463 per month
Examples only; these terms are not guaranteed to be available
What Changes Your Monthly Payment?
Three things make the biggest difference in these examples.
How Much You Borrow
Paying part of the cost upfront can reduce the amount you need to borrow. At the same rate and term, borrowing less usually means a lower monthly payment and less total interest.
How Long You Take to Repay
More months can make each payment smaller, but you may pay more interest overall. Fewer months usually means a higher payment and less total interest at the same rate.
Your Rate and Fees
The lender decides the terms it can offer. Compare the APR, fees, payment schedule, and total repayment —not just the monthly amount.
APR means annual percentage rate. It describes the yearly borrowing cost, including interest and certain fees, so it can help you compare offers.
A Clear Path From Planning to Next Steps
- 01
Start With Your Estimate
Review your Estimated Total Procedure & Care Cost and decide how much you might pay upfront. If your estimate is still developing, use a sample amount to learn how payments work.
- 02
Compare a Few Scenarios
Change the amount, term, or example APR. Look at both the monthly payment and the total you would repay. Leave room in your budget for everyday expenses and recovery-related needs.
- 03
Review Actual Options When You Are Ready
Use TRC's financing information to understand how to get started. If you choose to apply, the lender will review your application and provide any available offer. Read the lender's terms before accepting.
You can explore this page without applying for financing or committing to surgery.
Plan for the Full Procedure and Care Cost
A monthly payment is based on the amount financed. Before choosing that amount, review what is included in your estimate and what may be paid separately.
Your estimate may include
- Surgical fee — The surgeon's professional services for your procedure.
- Anesthesia — Anesthesia services and related charges included in the estimate.
- Facility or operating room — Use of the surgical setting and its included resources.
- Medical supplies or implants — Procedure-related items specified in your estimate.
- Patient Services — Planning and coordination services described in your agreement.
- Post-Surgical Care — The recovery services, products, or support selected for your plan.
Inclusions vary by procedure and provider. Check optional services, separate charges, travel, time away from work, and payment deadlines. Not every expense may be eligible for financing.
Understand What Is Included in Your EstimateTRC PATIENT SERVICES
Support With the Planning Details
Your TRC Care Planner can help you organize the questions and information behind your payment planning, so you understand what to review before taking the next step.
- Review the categories in your estimate and identify questions about separate charges.
- Explain the difference between an illustrative calculation and an actual lender offer.
- Help you navigate available financing information and the next steps in the process.
- Coordinate questions about payment deadlines with the relevant provider.
- Keep your cost questions connected to your broader procedure and recovery planning.
TRC provides patient planning and coordination support. Lenders determine financing eligibility, rates, fees, and repayment terms. Your surgeon is responsible for clinical evaluation, recommendations, and treatment.
Questions About Monthly Payments
No. TRC provides planning and coordination support. The lender reviews applications and determines approval, rates, fees, and terms.
Take the Next Step at Your Own Pace
Whether you are gathering information or reviewing an estimate, TRC can help you understand the planning steps and questions to ask.
TRC is not a lender. Examples are for education only and are not financing offers. Financing is subject to lender review, approval, and terms. Using this page does not apply for credit or commit you to a procedure.