OceanicScore Flex Plan

Finally, a payment system built around patients, not credit scores.

OceanicScore Flex Plan is a new class of patient-friendly financing that lets you start full wellness and metabolic programs — often up to $20,000 — with flexible payments starting around $150 a month, without using your FICO credit score.

Instead of handing you off to a bank or credit card, we use real-world payment data to approve most patients in under three minutes, so cost stops being the reason you delay the care you need.

Get My Score + Start for $49 →See All Plans

3 min

To qualify

No forms. Just checking account info.

$20K

Max program

Complete care, not fragments.

$49

To start today

Health Layaway — features unlock as you go.

Credit score pulls

Never. Not once. Not ever.

How OceanicScore Flex Plan works

Built for health.
Not for banks.

No credit score — ever

We never pull your FICO. OceanicScore Flex Plan looks at real-world payment behavior and income patterns — not a number built for car loans and store credit cards. If you pay your bills and have a checking account, you qualify.

Fast, personalized approvals

With just basic checking account information, most patients know within 3 minutes what they qualify for and can see realistic monthly payment options. No forms, no waiting, no awkward conversations about your financial history.

Complete programs, not fragments

We don't just finance small add-ons. OceanicScore Flex Plan is designed to make complete wellness packages accessible — from chiropractic and clinical programs to nutrition and GLP-1-inclusive plans up to $20,000.

Aligned with your life

Payments are timed to your payday cycle — weekly, every two weeks, or monthly — helping you stay on track without juggling due dates. You pay when you have it, not before.

We stay in the relationship

Your agreement is with our care team. We stay connected to you and can adjust your plan when life changes, instead of locking you into a rigid third-party finance contract.

Health Layaway — start for $49

Not ready to commit to the full plan? Put $49 down today and make monthly payments toward your program. Features unlock as you go — no debt, no interest, no credit check, no judgment.

Industry-first positioning

No one else in this space
is doing this.

Traditional medical financing was built for lenders. OceanicScore Flex Plan is built for outcomes. By combining real payment behavior data with flexible terms, we approve far more patients and make full care plans possible where others simply say no.

We are the first clinic platform to pair an Oceanic Score — your personalized health score — with a Flex Plan that ignores FICO, matches payments to your payday, and supports full care packages up to $20,000.

The result: treatments that used to feel out of reach are now realistically affordable.

Feature

Traditional

Flex Plan

Credit score required

Yes — hard pull

Never

Approval process

Days to weeks

Under 3 minutes

Qualification basis

FICO, debt-to-income

Payment history, checking account

Programs financed

Usually under $5,000

Up to $20,000

Payment timing

Fixed monthly due date

Matched to your payday cycle

Denied for past credit issues

Very common

Based on current behavior only

Start today for $49

Full first payment required

Health Layaway available

Relationship with your care team

Third-party lender

OceanicScore manages directly

Financing available on every plan

OceanicScore Health Layaway

Not ready for the full plan?
Start for $49 down.

Put $49 down today. Make monthly payments toward your program. Your full program features unlock as you go — no debt, no interest, no credit check, no judgment. Love your health on layaway.

Start Layaway — $49 →

Do you ever pull my credit score?

Never. Not once. Not for approval. Not for the application. Your FICO score has no role in our process. We look at real payment behavior and a checking account.

How do payments work if I get paid weekly?

We match your payment cadence. If you get paid every Friday, your plan payment debits every Friday. If you get paid biweekly or monthly, we match that. You pay when you have it.

What happens if I miss a payment?

We contact you directly — not a collections agency. We can adjust your payment schedule if life changes. Your agreement is with our care team, not a third-party lender.

Can I pay off early?

Yes. No prepayment penalty. Pay off your balance early at any time and you pay only what you have left.

Is this available for all plans?

Yes. Every OceanicScore plan from Lean ($99/mo) to Elite ($20,000/yr) is eligible for the Flex Plan. The Health Layaway $49 down option is available on all tiers.

What if I don't have a credit card?

You don't need one. We operate from your checking account. A debit card or checking account number is all we need to set up your Flex Plan.