Our treatment and service plans are based on your needs. We would be happy to assist you in submitting pre-determination for available amount offered.

Financing is provided by HealthSmart Financial Services.

Health Smart Financial Services

Q. How do I apply for Financing?

A. Once you have your treatment cost or service wish list finalized at Michaels with one of our spa or salon consultants, we will fill out your application together online. Within seconds you’ll know if you’re approved.

Q. Do I have to pay a deposit?

A. No, a deposit is not required for this program.

Q. Can I pay for a portion of the treatment myself and apply for the remainder?

A. Yes. When applying with HealthSmart Financial a limit is not requested. Instead, an available amount is offered. You can use whatever is available to you within one year of your application.

Q. How can I qualify for the program?

A. Approval is based on your credit history, housing status and employment status which will be determined once you have applied.

Q. Can I pay off my account before the term ends?

A. Yes, there are no prepayment penalties. 24/7 access to your account will allow you to make payments anytime, anywhere.

Q. Will applying hurt my credit rating?

A. Yes and no. If your credit rating is checked more than four times a year you may be affected, but most people do not have a need to check their rating more than four times annually.

Q. Can I apply and use my credit for any members of my family?

A. Yes, anyone in your immediate family may use your available credit.