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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.
Cherry
12-month 0% APR covers full 12-month treatment. No interest if paid on schedule.
12-month 0% APR covers full 12-month treatment. No interest if paid on schedule.
retail pharmacies generally not enrolled · cash-pay programs vary
Reasonable APR + interest under 15% of total. Better than deferred-interest products for longer treatments.
most healthcare merchants · pharmacies generally exclude
No financing required — direct cash pricing without interest.
no third-party financing accepted · cash only via card on file
No financing required — direct cash pricing without interest.
weight-loss-only Medicare excluded by statute
Standard financing terms apply. Compare against direct manufacturer options.
CareCredit-network providers (CareCredit-Affirm exclusive at some clinics)
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.
Walgreens · Walmart · most retail chain pharmacies · manufacturer direct (NovoCare/LillyDirect)
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.