Commerce Bank

Northern Light Health has partnered with Commerce Bank to offer Health Services Financing (HSF®), a program that allows patients to pay out-of-pocket balances over time with zero annual percentage rate and no credit check required. Commerce Bank has been in the banking industry for more than 150 years and has partnered with 350+ hospitals across the United States. This option is a good choice for those who need more than six months to pay a balance in full and have balances owed between $250 and $50,000.

If the balance owed is greater than $50,000, please consider applying for financial assistance. To get an idea of financing terms, reference the table below showing the dollar ranges and terms Commerce Bank will permit for repayment. A payment estimator is also available on the Commerce Bank website for your convenience.

HSF® Patient Benefits

Health Services Financing (HSF®), by Commerce Bank, offers patients an affordable, logn-term payment option for out-of-pocket costs.

  • Zero Annual Percentage Rate
  • Patients and families are eligible for HSF® regardless of whether they have insurance, and without requiring a credit check.
  • HSF® requires only a verbal commitment and has no set-up fees, charges or penalties for early payoffs, and patients can consolidate charges to one account with one monthly payment.
Term Options
Range Term
$250 - $4,999 24 mos.
$5,000 - $9,999 36 mos.
$10,000 - $50,000 60 mos.

Payment Plan Terms

Term 24 Months 36 Months 60 Months
Range $250 - $4,999 $5,000 - $9,999 $10,000 - $50,000
Payment (AVG) $11 - $208 $139 - $278 $167 - $833

Apply for Financing Today

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