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HealthVetted
Free tool

GLP-1 savings & financing calculator

There are several ways to lower the cost of GLP-1 treatment — commercial savings cards, manufacturer-direct cash programs, and financing. This tool compares the paths so you can see which gets you to the lowest realistic out-of-pocket cost.

Your situation

e.g., Wegovy retail $1,349 · NovoCare $499 · TrumpRx $350 · compounded $199-299

Most patients: indefinite. Plan 12-24 months minimum for cost analysis.

Reduces principal subject to interest.

Cheapest total for your scenario

Cherry

Total cost
$5,988
Total interest
$0
Monthly payment
$499

12-month 0% APR covers full 12-month treatment. No interest if paid on schedule.

All options ranked by total cost

  1. Cherry

    Best fit
    $5,988

    12-month 0% APR covers full 12-month treatment. No interest if paid on schedule.

    APR + exclusions + acceptance ↓
    APR
    0% APR for 12 months, then 24.99%
    Approval
    Instant pre-qual (soft pull) · min credit 580
    Not accepted at

    retail pharmacies generally not enrolled · cash-pay programs vary

    Accepted at
    • • Many bariatric clinics + obesity medicine specialists
    • • Some telehealth platforms (Henry Meds enrolled, others variable)
    • • Med spas + cosmetic-adjacent providers
    Visit Cherry

  2. Sezzle

    Good option
    $5,988

    Reasonable APR + interest under 15% of total. Better than deferred-interest products for longer treatments.

    APR + exclusions + acceptance ↓
    APR
    0% APR for 6 months, then 0%
    Approval
    Instant, no credit check
    Not accepted at

    most healthcare merchants · pharmacies generally exclude

    Accepted at
    • • Limited GLP-1 channel acceptance
    • • Some compounded telehealth platforms (variable)
    • • Mainly retail/consumer goods focus
    Visit Sezzle

  3. Manufacturer direct (NovoCare / LillyDirect)

    Best fit
    $5,988

    No financing required — direct cash pricing without interest.

    APR + exclusions + acceptance ↓
    APR
    0% APR
    Approval
    Same-day enrollment
    Not accepted at

    no third-party financing accepted · cash only via card on file

    Accepted at
    • • Direct from manufacturer — no financing intermediary
    Visit Manufacturer direct (NovoCare / LillyDirect)

  4. TrumpRx government rail

    Best fit
    $5,988

    No financing required — direct cash pricing without interest.

    APR + exclusions + acceptance ↓
    APR
    0% APR
    Approval
    Same-day enrollment
    Not accepted at

    weight-loss-only Medicare excluded by statute

    Accepted at
    • • TrumpRx.gov direct (all GLP-1 + oral options)
    Visit TrumpRx government rail

  5. Affirm

    Caution
    $7,066
    +$1,078 in interest

    Standard financing terms apply. Compare against direct manufacturer options.

    APR + exclusions + acceptance ↓
    APR
    36% APR
    Approval
    Instant at checkout · min credit 550
    Not accepted at

    CareCredit-network providers (CareCredit-Affirm exclusive at some clinics)

    Accepted at
    • • Amazon Pharmacy (limited rollout 2026)
    • • Some telehealth platforms (Mochi tested 2026)
    • • Many direct-to-consumer purchases
    Visit Affirm

  6. CareCredit

    Avoid
    $7,470
    +$1,482 in interest

    CareCredit DEFERRED INTEREST penalty hits hard. Treatment beyond 6 months triggers retroactive 32.99% APR on full principal. Avoid unless certain you'll pay off within promo.

    APR + exclusions + acceptance ↓
    APR
    0% APR for 6 months, then 32.99%
    Approval
    Instant decision online · min credit 620
    Not accepted at

    Walgreens · Walmart · most retail chain pharmacies · manufacturer direct (NovoCare/LillyDirect)

    Accepted at
    • • Some compounded telehealth (Hims, Henry Meds variable)
    • • In-network bariatric clinics
    • • Some primary care offices
    Visit CareCredit

CareCredit deferred interest is the most common trap. If you don\'t pay the FULL principal by the end of the 6-month promo, retroactive 32.99% APR applies to the original principal — not just the remaining balance. Setting up auto-pay tied to a 6-month payoff schedule avoids this. Calculator assumes worst case.

Estimates for educational purposes only — not medical advice, a quote, or a guarantee of coverage or price. Confirm costs with the pharmacy/manufacturer and clinical decisions with a licensed provider.

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