Monthly Plans by Medicard

Life Made Simple

We’ve partnered with Medicard to offer monthly payment options for all services, gift cards, and packages of $500 and above.

Medicard offers a simple and affordable way to finance your services and allows you to immediately experience the treatments you desire. Monthly plans ensure that you don’t delay your treatment due to cost concerns by offering you a variety of financing terms with convenient monthly payments.

Medicard Benefits:

  • No down payment
  • No collateral
  • High approval
  • Competitive interest rates
  • No early payment penalty

How does it work?

1. Submit your online application

  • Choose how much money you would like.
  • Choose to finance the whole treatment, or just a portion.
  • Choose your ideal terms: 6 months, 1, 2, 3, 4, 5, or 6 years.
  • There are no penalties for pre-payment of your loan.

2. Medicard will notify you of the credit decision by phone.

Sign and return the required documents and a void cheque digitally to Medicard.

3. Get Ready for Your Treatment!

You’re all set! Medicard will send payments directly to us.

Frequently Asked Questions

What is Medicard? Is it a card?

No, Medicard is not a physical card. It’s the name of a Canadian financing company specializing in easy and flexible monthly payment plans for clients of medi spas, doctors, and other esthetic or medical care professionals.

Their customizable terms and affordable payments allow you to invest in yourself on your own terms. They send payment directly to your account at Total Wrapture Medi Spa so you don’t have to wait after you get your amount. 

Do I need to know exactly how much I need?

No, you don’t need to know the exact amount right away.

You can apply for any amount you want, and once approved, you can adjust as you like before finalizing your plan. Medicard offers flexibility to ensure you borrow only what’s necessary.

For example, if you’re approved for $2,000 but only want $1,200, you can choose to adjust it to just that amount before accepting.

I can’t choose between a monthly plan or a membership. Which is best for me?

It depends on your goals!

  • Memberships: Ideal for consistent, year-round services at preferred pricing. They’re perfect if you want to save while you maintain healthy, radiant skin with regular care.
  • Monthly Plans: Best for targeting a specific skin goal or getting a specific service series package while spreading out payments over a term length of your choice.

What can I use a monthly plan for?

You can use monthly plans for any services, products, gift cards, or packages offered by Total Wrapture Medi Spa!

The minimum amount you can receive from Medicard is $500, and it can be used for any service or product we offer.

This includes facials, nail care, skincare products, lashes, brows, advanced skin treatments, laser services, and more.

Can you give me an example of how people have used Medicard?

Certainly!

Example 1: Ella wanted to remove a tattoo on her hand. During her consultation, her laser technician explained it would take about six short treatments, spaced a month apart, at *$150 each—a total of $900. 

Ella applied for $900 through Medicard and was approved the next day. After selecting a low-stress, one-year repayment plan and completing her application, she was able to start her first removal treatment the same day!

 

Example 2: Noah dealt with dark spots caused by acne and wanted to clear his skin with laser treatments. His laser technician recommended a series of five treatments costing a total of *$1,750. 

Noah applied for that amount through Medicard and was approved. After his third treatment, his acne scars had faded so much that he decided to use the remaining balance to enjoy regular acne-preventative facials throughout the year to reduce the chances of future scarring. He ended up also using some of his balance to enjoy a pedicure and get a skincare gift for Mother’s Day. 

Example 3: Samira had been eagerly anticipating Total Wrapture’s Open House Sale. She had a few goals in mind: a 3-pack of laser treatments to brighten and smooth early signs of aging, a complete refresh of her skincare routine with pharmaceutical-grade products, and gift cards for the holidays. She knew the gift card sale was perfect for everyone on her list, from her son’s homeroom teacher to her brother-in-law, a runner who needs regular pedicures.

Samira estimated she’d need around *$2,000 to cover everything but decided to apply for $4,000 through Medicard to give herself some flexibility. To her surprise, she was approved for $5,000! She chose to keep $3,000 and, on the day of the Open House Sale, checked off everything she planned, including laser treatments, a new skincare lineup, and gift cards. She even added a manicure service multi-pack and a couple of facials from the sale to enjoy throughout the year.

With the remaining balance, in the following months, Samira treated herself to lash extensions for a special occasion and restocked her skincare products. Medicard’s flexible plan allowed her to enjoy everything she needed and more without stressing over the cost upfront.

*Prices are for illustrative purposes only. Please visit our online booking system for the most up-to-date pricing on specific treatments.

Does it cost me anything to apply for a monthly plan or see what I pre-qualify for?

No, there’s no cost to apply or check your pre-approval. Plus, pre-checking what you qualify for won’t affect your credit score.

Can I repay before the end of the term?

Yes! There’s no penalty for early repayment. You’re free to repay your plan at any time.

I can pay for part of it myself. Can I borrow a portion of the amount for the treatment?

Absolutely. Medicard allows you to borrow only the portion you need. They will pay Total Wrapture Medi Spa directly for the amount you asked for, whether it’s the full cost or just a part of it.

Do I have to put down a deposit to get a monthly plan?

No, Medicard does not require a deposit.

What are the available monthly plan amounts and terms?

You’re in control!

  • Amounts: Start from $500 and go up to $25,000.
  • Terms: Flexible durations ranging from 12 months to 72 months.

You can ask for whatever amount you think you might need. You can use it to spend on anything at Total Wrapture Medi Spa, including gift cards. 

What can I use monthly plans for?

Monthly plans can be applied to any service, product, gift cards, and packages valued at $500 or more. This allows you to invest in advanced treatments and products while managing your budget.

How do I get started with a monthly plan?

It’s simple!

1. Submit an application online to specify your amount, term, and desired plan.

2. Medicard will notify you of how much you qualified for.

3. Once your application is complete, Medicard pays Total Wrapture Medi Spa directly, and you can start your treatments right away.

Can I use a monthly plan for multiple services or packages?

Yes, you can! You can apply for a monthly plan to cover multiple services, packages, or even gift cards, as long as the total is $500 or more. You’re in charge of what you want to use your chosen amount for. 

Are there any hidden fees?

No, Medicard is transparent about their terms. There are no hidden fees, and you’ll receive a clear breakdown of your payment plan, including any applicable interest rates.

How long does it take to qualify?

Approval is typically fast! Medicard usually notifies you of their decision within 24 to 48 hours after you submit your application. Pre-approval (to check how much you qualify for without affecting your credit score) is immediate. 

What happens when my term ends?

When your term ends and your plan is fully paid off, there are no further obligations. You can choose to apply for a new plan if you want to continue treatments or purchase additional services.

Can I transfer my plan to someone else?

No, monthly plans are non-transferable and must be used by the person who applied. However, you can use your spending amount to purchase gift cards.

What is the interest rate on a monthly plan?

Interest rates vary depending on the term length and your credit profile, however, it is typically less than most credit cards. Medicard provides competitive rates and will give you a detailed breakdown during the approval process.

Do I have to use the full approved amount?

No, you can choose to borrow only what you need. For example, if you’re approved for $2,000 but only require $1,200 for a specific treatment, you can borrow just that amount.

Can I combine a monthly plan with other discounts or promotions?

Yes, you can use your Medicard monthly plan amount during any sale offered by Total Wrapture Medi Spa. In fact, our sales are a great way to get more for less! This includes gift card purchases and gift card sales.

Is my information secure when I apply?

Absolutely. Medicard ensures that all personal and financial information is kept secure and confidential.

Total Wrapture Medi Spa does not have access to your personal information, such as credit scores or social insurance numbers. This information remains secure and confidential between you and iFinance Medicard.