In most cases, medical expenses are not a patient’s decision — they’re a necessity. Penguin Pay is reimagining medical financing so that it doesn’t take advantage of the patient, and instead provides a best-in-class lending experience that preserves their physical and financial health. Our initial offering is a 0% interest loan targeting the 25 million Americans skipping doses, taking less medication, or delaying refilling prescriptions due to cost. Patients using Penguin Pay show increased adherence, fewer hospital visits, and importantly, stay out of a dangerous cycle of high-interest debt.