0% Financing

Zero Interest Financing Option

At Memorial Health, we understand having flexibility in payment is an important factor when seeking care. Memorial partners with Commerce Bank to help give you and your family the flexibility of financing your healthcare at 0 percent interest – allowing you to focus on recovery and not worrying how you can going to pay your bill.

Key Highlights:

  • Easy enrollment
  • Monthly payments at 0% interest
  • Mobile app for managing your account
  • Terms of 24, 36 or 60 months, depending on balance

Frequently Asked Questions

How do I sign up?

A: Please contact us for more details on how to sign up
Contact Us

What is the minimum balance to set up an account?

A: $450.00

Is there a maximum I can finance? 

A: Yes, $50,000 is the maximum. However, request for amounts above $50,000 can be submitted for review and approval by Commerce Bank

Which Memorial Health affiliates participate with Commerce Bank?  

A: Decatur Memorial Hospital, Lincoln Memorial Hospital, Springfield Memorial Hospital, Taylorville Memorial Hospital

Are payments made directly to Memorial Health or Commerce Bank?

A: Payments are made to Commerce Bank.

What methods of payment do you accept?

A: You may pay by check, Automated Clearing House (ACH), debit card or eligible Healthcare Savings Account (HAS)/Flexible Spending Account (FSA) cards.

What if I miss a payment?

A: Contact Commerce Bank at 1-855-893-1292 to discuss how to bring the account up to date. You may be assessed a late payment fee.

Is there a penalty for early payoff?

A: No.


For additional help please reach out to us {insert link} and we would be happy to explain this program in detail to you and guide you through the setup process.

Memorial Health’s relationship with Commerce is intended to provide you and your family the best experience when looking to finance your healthcare. Commerce has been recognized by our industry’s leading national finance organization, Healthcare Financial Management Association (HFMA), and has received peer review recognition by HFMA. This designation speaks to Commerce’s commitment to providing the best financial experience to you and your loved ones.

Do you qualify for financial assistance? Learn more