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Get the elective care you need now and pay over time. Commerce Bank® has partnered with CNOS to bring you CommerceCare™, a fast, flexible, and patient-friendly extended financing solution. With two convenient plans, you choose the option that works best for you!

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Apply for CommerceCare™ by clicking below.  You could be approved in a matter of minutes!

Your CommerceCare™ Option:

  • Promotional Rate Line of Credit: 0% APR for 12 months – 21.99% fixed APR afterwards

Health Services Financing (HSF®), by Commerce Bank, offers patients an affordable, long-term payment option for out-of-pocket costs.

  • 9.9% Annual Percentage Rate
  • Patients and families are eligible for HSF® regardless of whether they have insurance and without requiring a credit check.
  • HSF® requires only a verbal commitment and has no set-up fees, charges, or penalties for early payoffs. Patients can consolidate charges to one account with one monthly payment. Financed amounts are repaid over 24 months.

Please contact us at 605-217-2667 with any questions.


CareCredit® is a credit card issued exclusively for use in paying for your healthcare expenses. You can apply for a CareCredit® card to cover a portion or all of your bill at participating healthcare facilities.

  • To apply for a CareCredit® credit card, visit the CareCredit® website
  • Call them directly at (800) 677-0718
  • Call your healthcare facility if you have any questions.
  • Click here to learn more from the CareCredit® website.

*Subject to credit approval. Minimum monthly payments required. See provider for details.