This section will provide you with answers to some of the most frequent questions asked about Ajeva. If something you need to know isn’t answered here, feel free to contact us.
Ajeva is a financing solution for patients needing dental treatment, specializing in helping people, regardless of FICO scores or financial situations. We are perfect for your patients with less-than-perfect credit or those who just need a little extra financing help.
It’s a very simple process.
There are no setup fees or ongoing costs to offer Ajeva to your patients. For those patients that are approved, there is a 20% merchant fee charged on the treatment amount. This is taken out of the amount that is funded directly to you.
Any dental related treatment can be financed with Ajeva. We do not offer financing solutions for non-dental health treatments at this time.
It’s easy! You’re just 3 steps away from offering Ajeva.
Ajeva isn’t meant to replace your other financing options, but be offered as a supplement. Whether your patients have less-than-perfect credit and can’t qualify, or they need an additional loan for a portion of their treatment, we can help.
Considering Ajeva does not rely on a FICO score we are able to approve a substantial number of patients declined by traditional lenders. Based on historical data, we have approved on average 75% of the applications sent to Ajeva.
All Ajeva payment plans are affordable and fixed with monthly payments. Terms range from 6 to 24 months, depending on your patient’s individual situation. Specific loan terms are finalized during the application process.
Patients can apply online, at home, or in your office by clicking here. It takes less than 5 minutes and it’s easy! .
We require basic information for approval, including: the applicant’s name, social security number, address, living situation, income, and banking information for automatic payments.
Decisions are typically made within 5 minutes.
Application decisions will appear right on the computer screen as soon as the application is completed. Once your patient is fully approved you’ll get an email confirmation so you can schedule their treatment.
Absolutely! Simply log in to your portal and click “Applications.” Select the patient's name to view all of their details.
Although we do not fully depend on a FICO score to make our underwriting decisions, we still pull the score to add to our over 2000 underwriting variables. Pulling a FICO score will create an inquiry on the patients credit profile.
Currently Ajeva does not have the ability to finance with a co-signer. However, this update will be available soon.
We use state-of-the-art technology and the most secure software, computers, and servers to ensure your patients’ personal information will never be compromised.
Yes, as long as the bankruptcy has been discharged.
Your patient is allowed to open multiple accounts if they can be approved by Ajeva. So, additional treatment can be covered by opening a new account, or paying off an old loan to make room for a new one.
You will submit a refund ticket to Ajeva. Ajeva will then handle the refund to the patient and debit your account the overpaid amount.
APR Depends on the approval level of your patients and the state they reside in.
We don’t offer a zero percent or deferred interest plan yet; however, patients can pay their loans off early without penalty to save money on interest. They can also make additional payments which will automatically apply to their principle.
The total amount your patients can finance will depend on their individual situation and credit profile. We’ll look at every patient’s circumstances holistically and treat them like a human, not a 3-digit number like many other lenders do.
Their first statement will be sent 7 days before their monthly payment is auto-debited from their bank account.
Payments will be based on the amount financed, the interest rate, and the loan term.
Absolutely! And they’ll save money on interest this way!
Payments are auto-debited each month from their bank account. If they need to make an immediate payment, they can go here, or call us at 1-800-395-AJEVA (2538) for assistance.
Ajeva is built on the understanding that financial situations occasionally change. We invite patients to chat with us through our website, or call an Ajeva Advocate right away at 1-800-557-AJEVA (2538) to work out a solution.
No, payments must be made directly to Ajeva. Patients can call an Ajeva Advocate at 1-800-557-AJEVA (2538) for assistance.
An Ajeva Advocate is standing by and ready to help. They can give us a call toll-free at 1-800-557-AJEVA (2538).
Give us a call at 1-800-395-AJEVA (2538). An Ajeva Advocate is waiting to speak with you.