Hearing aid financing in Lafayette, Louisiana
Hearing aids and tinnitus treatment are an investment in the rest of your life. ACI Hearing Center works with Cherry, CareCredit, PowerPay, and manufacturer payment programs so cost is never what keeps you from hearing better. Interest-free options are available for qualified applicants.
Financing partners we work with
ACI Hearing Center works with three national financing partners plus manufacturer-direct programs. You can apply online in about five minutes or in our office at 103 Saint Thomas Street, and most decisions are instant.
Cherry
Cherry is our newest financing partner. Cherry offers 0% interest plans for qualified applicants for up to 12 months, plus a soft-pull prequalification option so you can see if you qualify without affecting your credit score. Look for the Cherry button in the corner of the page to prequalify with a single click.
Apply through Cherry or call us to get started.
CareCredit
CareCredit is the healthcare financing card we have used with families for years. Qualified applicants receive 0% interest for up to 12 months on purchases over $200. You use your CareCredit card at over 250,000 healthcare providers nationwide, so it stays useful long after your hearing aid purchase.
Apply for CareCredit online or call us at (337) 223-9448 to apply in the office.
PowerPay
PowerPay is a third option for patients who want to compare rates before choosing. PowerPay offers 0% interest promotional plans for qualified applicants and standard-rate installment plans. PowerPay tends to approve applicants that some other lenders decline, so it is a strong backup option.
Apply through PowerPay or call us for help with the application.
Manufacturer payment programs
The major hearing aid manufacturers (Oticon, Phonak, ReSound, Signia, Starkey, Widex) offer their own payment programs through partner lenders. Terms vary by brand and change year to year. We check which manufacturer program is available at the time of your fitting and tell you if it beats Cherry, CareCredit, or PowerPay for your situation.
Financing for hearing aids
Prescription hearing aids at ACI Hearing Center range from entry-level digital devices to premium AI-driven models. Financing lets you pick the technology level that matches your lifestyle rather than the level that matches what is in the checking account this month. A typical financed pair of mid-range hearing aids works out to about the same monthly cost as a decent cell phone plan, and lasts five to seven years.
Every hearing aid purchase at ACI Hearing Center includes:
- Full diagnostic hearing evaluation with a Doctor of Audiology
- Custom fitting and programming to your specific hearing loss
- Real-ear verification to confirm the aids are set correctly
- Follow-up appointments for adjustments as your ears and brain acclimate
- In-office cleanings and minor repairs during your care period
- A trial period so you can be sure the aids are right before you fully commit
See our full hearing aid page for details on the brands and technology levels we fit.
Financing for tinnitus treatment
Tinnitus treatment at ACI Hearing Center can be financed the same way as hearing aids. This includes:
- Lenire bimodal neuromodulation — an FDA-authorized tinnitus device that combines sound and tongue-tip stimulation. Kimberly Allred, Au.D. is a certified Lenire provider.
- Neuromonics tinnitus treatment — a customized sound-therapy program using proprietary spectrally modified music. ACI Hearing Center is a certified Neuromonics provider.
- Levo System — a personalized sound-therapy tinnitus program (coming to ACI Hearing Center soon).
- Tinnitus-masking hearing aids — hearing aids with built-in tinnitus sound generators for patients whose tinnitus is paired with hearing loss.
See our full tinnitus management page for details.
HSA, FSA, and insurance stacking
Hearing aids and tinnitus treatment are qualified medical expenses under IRS rules, which means you can use your Health Savings Account or Flexible Spending Account card to pay for them. Many patients combine an insurance benefit (for example a Medicare Advantage hearing allowance) with an HSA or FSA card and financing to cover the remaining balance interest-free. Our front desk builds the payment stack with you before you commit.
See our insurance and payment options page for details on the plans we accept.
Trade-in credit for older hearing aids
If you have older hearing aids, we offer trade-in credit toward your new pair. Most trade-ins are worth several hundred dollars off the new pair, depending on age and condition. The trade-in credit stacks with financing so your monthly payment is lower.
What to bring to your financing conversation
- A photo ID
- Your insurance card if you have one (we check for hearing benefits)
- Any old hearing aids you want to trade in
- Questions about the monthly payment that would work for your household
No pressure, no surprises. We show you the actual monthly payment on paper before you agree to anything.
Frequently Asked Questions
What financing options does ACI Hearing Center offer?
ACI Hearing Center offers Cherry payment plans with prequalify, CareCredit with 0% interest plans for qualified applicants, and PowerPay financing. We also accept HSA and FSA cards, manufacturer payment programs, and trade-in credit toward new hearing aids. Every family finds a path that fits the budget. Call (337) 223-9448 to talk through options for your situation.
Do you offer interest-free financing on hearing aids?
Yes. Both Cherry and CareCredit offer 0% interest plans for qualified applicants for up to 12 months. Cherry offers prequalify with a soft credit check, so you can see your terms before you apply. We help you compare so you pick the plan that fits your monthly budget.
How do I apply for Cherry, CareCredit, or PowerPay?
You can apply online in about 5 minutes at WithCherry.com, CareCredit.com, or PowerPay.com. You can also apply in person at our office at 103 Saint Thomas Street in Lafayette. Approval decisions are usually instant. Our front desk team is happy to walk you through the application if you prefer to do it with help.
Will applying for hearing aid financing affect my credit score?
Applying for Cherry, CareCredit, or PowerPay involves a credit check, which may create a small temporary dip in your credit score. Cherry offers a soft-pull prequalify option so you can see your rate without affecting your score. Making payments on time can help build your credit over the life of the plan.
Can I finance tinnitus treatment such as Lenire?
Yes. Tinnitus treatments including Lenire bimodal neuromodulation and Neuromonics can be financed through Cherry, CareCredit, or PowerPay just like hearing aids. We treat tinnitus management as a medical service so financing terms are the same.
What if I do not qualify for financing?
We work with every family to find a workable path. Options include a co-signer, manufacturer-direct payment plans, trade-in credit for older hearing aids, choosing a technology level that fits the budget, or spacing purchases over time. Nobody is turned away for cost. Call us at (337) 223-9448 and we will help you find a solution.
Do you accept HSA and FSA cards?
Yes. Hearing aids, hearing tests, and tinnitus treatment are qualified medical expenses under IRS rules, so you can use your HSA or FSA card. We can also provide a receipt suitable for reimbursement if your account requires paper submission.
Is there a floating financing button on the ACI Hearing website?
The Cherry prequalify button is being finalized with the Cherry team and will appear in the corner of every page as soon as their setup is complete. In the meantime, you can apply directly at WithCherry.com, at CareCredit.com, or at PowerPayFinancing.com. You can also call us at (337) 223-9448 and our front desk team will walk you through any of the options.
Ready to talk about financing?
Call ACI Hearing Center at (337) 223-9448 or request an appointment online. We are located at 103 Saint Thomas Street, Lafayette, LA 70506.