Recovery coach Bill Blaber in a counseling session with a female client in recovery

Financing Options

Addiction treatment can be a big but invaluable investment in your health and in your future. Patient financing options offer a way to spread payment over a period of time as well as avoid high credit card interest rates.

Mountainside works with a number of patient financing companies to provide clients with affordable loans.  These loans can cover the cost of inpatient treatment as well as various ancillary costs including transportation to and from Mountainside, and oftentimes aftercare.

There are a variety of financing options to choose from with differing payment time frames to help spread out the cost.  Some providers offer zero interest loans depending on applicant and time frame of repayment.  A $10,000 loan can potentially have a payment of just $400 a month.

Quick Approval Process

The application and approval process is quick and simple.  You provide information for a credit check and apply for a specific amount of credit.  A response will be ready within 24 hours or immediately, depending upon provider.

Basic Qualifications

  • U.S. citizen
  • Verified source of income
  • 1 to 3 years of positive credit history
  • Credit score of 600 or higher
    • Co-signers may be accepted if your credit score does not qualify.

Once you are approved and admitted into a Mountainside program, you use the credit line or funds which you have been extended to cover treatment costs.

To learn more about applying for a loan, please contact our admissions team. They will connect you with our financing partners who can help you determine the right financing option for you.

You are under no obligation to move forward with a loan approval.

Don’t let financing be an obstacle to getting addiction treatment for yourself or a loved one. Explore your options today.


We work with most private insurance plans, including Aetna, Anthem, BlueCross BlueShield, Beacon Health Plans, Cigna, Empire BlueCross BlueShield, GEHA, Meritain Health, ValueOptions, and many others. To find out if you’re covered for addiction treatment at Mountainside, you can verify your insurance benefits by clicking below.

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