Four monthly payment options across Integrative Nurse Coach® Academy programs. Pick the one that fits your situation — the curriculum is the same either way.
You don’t have to pay tuition all at once. We accept three outside payment options — Klarna, Affirm, and PayPal Credit — and we also run our own Monthly Auto-Debit Plan through Partial.ly for programs over $500. Each option has different terms and a different best-fit situation. This page is here to help you compare them.
Empowering Nurses. Transforming Healthcare.
All monthly payment examples below are calculated from these tuitions. Follow the link beside each program for full curriculum and what’s included.
| Program | Format | Tuition | Available Plans | Program Page |
|---|---|---|---|---|
| Integrative Nurse Coach® Certificate Program — Certification Pathway | Cohort | $4,300 | Klarna · Affirm · PayPal Credit · Partial.ly | View → |
| INCCP — Implementation Pathway | Cohort | $4,900 | Klarna · Affirm · PayPal Credit · Partial.ly | View → |
| INCCP — Expansion Pathway | Cohort | $5,500 | Klarna · Affirm · PayPal Credit · Partial.ly | View → |
| Functional + Lifestyle Nursing — Dual Certificate Pathway (save $200) | On-Demand | $3,290 | Klarna · Affirm · PayPal Credit · Partial.ly | View → |
| Functional Nursing: A Functional Medicine Framework for Nurses | On-Demand | $2,195 | Klarna · Affirm · PayPal Credit · Partial.ly | View → |
| CannyNurse® Certificate Program — Full Program (Parts 1 + 2) (save $99) | On-Demand | $2,199 | Klarna · Affirm · PayPal Credit · Partial.ly | View → |
| CannyNurse® Certificate Program — Part 2 only | On-Demand | $1,899 | Klarna · Affirm · PayPal Credit · Partial.ly | View → |
| Lifestyle Nursing: A Lifestyle Medicine Framework for Nurses | On-Demand | $1,295 | Klarna · Affirm · PayPal Credit · Partial.ly | View → |
| CannyNurse® Certificate Program — Part 1 only | On-Demand | $399 | Klarna · Affirm · PayPal Credit | View → |
| Homeopathy for Nurses: Acute Care | On-Demand | $399 | Klarna · Affirm · PayPal Credit | View → |
| Nursing Pathways in Psychedelic Care | On-Demand | $399 | Klarna · Affirm · PayPal Credit | View → |
| End-of-Life Coaching | On-Demand | $199 | Klarna · Affirm · PayPal Credit | View → |
Two programs are sold as bundles with multiple buy options — Functional + Lifestyle Nursing (each alone, or the Dual Certificate Pathway) and CannyNurse® (Part 1, Part 2, or the Full Program). Partial.ly is INCA's Monthly Auto-Debit Plan and is available only on programs over $500. PayPal Credit requires a minimum purchase of $149 for the 6-month no-interest promo. Klarna and Affirm are subject to each platform's credit approval; Klarna's Pay in 4 is generally not available at INCCP tuition levels.
A side-by-side look. Course deep-dives, monthly examples, and application links are below.
| Klarna | Affirm | PayPal Credit | INCA Auto-Debit (Partial.ly) | |
|---|---|---|---|---|
| Type | Monthly financing | Monthly installments | Revolving credit line | Internal payment plan |
| Term length | 6–24 months | 3–36 months | 6-month promo, then revolving | 12–24 weeks, by program length |
| Interest / fees | 0–35.99% APR, credit-based | 0–36% APR, credit-based | 0% if paid in full within 6 months on $149+; variable APR after (typically 30%+) | 5% admin fee, no interest |
| Credit check | Credit check at application, recorded on your credit file and visible to other lenders; reports to credit bureaus | Soft pull to check rates; hard pull at acceptance for longer-term loans. Reports to Experian & TransUnion. | Hard pull at application | None |
| Down payment | Possibly, credit-dependent | Possibly, credit-dependent | None | 10% of tuition |
| Late fees | $7 or 25% of installment (greater); capped at 25% of purchase | None | May apply | None — but non-payment can result in removal from program |
| Early payoff penalty | None | None | None | None |
| Available for | All programs | All programs | All programs ($149+) | Programs over $500 only |
| Where to apply | At checkout | At checkout | At checkout | Plan estimator on each program's enrollment page |
Klarna offers monthly financing right at checkout. You apply in under a minute; if you’re approved, you choose a term of 6, 12, 18, or 24 months. Klarna performs a credit check when you apply — per Klarna’s own help docs, the search is recorded on your credit file and is visible to other lenders, regardless of whether you’re approved. You pay Klarna directly — INCA receives tuition in full up front. Klarna’s financing product is issued by WebBank.
Klarna’s Pay in 4 caps around $1,000 per order, which means it’s not available at INCCP tuition levels. On specialty programs under $500, Pay in 4 may show up at checkout.
| Program | Tuition | 12 mo @ ~10% APR | 24 mo @ ~10% APR |
|---|---|---|---|
| INCCP — Certification | $4,300 | ~$378/mo | ~$198/mo |
| INCCP — Implementation | $4,900 | ~$430/mo | ~$226/mo |
| INCCP — Expansion | $5,500 | ~$483/mo | ~$254/mo |
| Functional + Lifestyle Dual | $2,990 | ~$263/mo | ~$138/mo |
| Functional Nursing | $2,195 | ~$193/mo | ~$101/mo |
| CannyNurse® Full Program | $2,199 | ~$193/mo | ~$101/mo |
| Lifestyle Nursing | $1,295 | ~$114/mo | ~$60/mo |
Best for: Anyone comfortable with a credit check that gets recorded on their credit file, who wants a familiar checkout experience.
Affirm is a monthly installment loan. You apply at checkout — Affirm checks your rate with a soft inquiry that does not impact your credit score, then offers you a set of terms. If you accept a longer-term loan (which INCCP-priced purchases require), Affirm runs a hard inquiry at acceptance. Your monthly payment is fixed for the life of the loan, the total interest is shown up front, and there are no late fees.
| Program | Tuition | 12 mo @ ~10% | 24 mo @ ~10% | 36 mo @ ~15% |
|---|---|---|---|---|
| INCCP — Certification | $4,300 | ~$378/mo | ~$198/mo | ~$149/mo |
| INCCP — Implementation | $4,900 | ~$430/mo | ~$226/mo | ~$170/mo |
| INCCP — Expansion | $5,500 | ~$483/mo | ~$254/mo | ~$190/mo |
| Functional + Lifestyle Dual | $2,990 | ~$263/mo | ~$138/mo | ~$104/mo |
| Functional Nursing | $2,195 | ~$193/mo | ~$101/mo | ~$76/mo |
| CannyNurse® Full Program | $2,199 | ~$193/mo | ~$101/mo | ~$76/mo |
| Lifestyle Nursing | $1,295 | ~$114/mo | ~$60/mo | ~$45/mo |
Best for: A predictable, fixed monthly payment with no late fees, where you can see the total interest before you commit — and where checking your rate doesn’t ding your credit.
PayPal Credit is a revolving line of credit issued through Synchrony Bank and connected to your PayPal account. You pay your tuition with it the same way you’d pay with a credit card. Its main appeal is the promotional “no interest if paid in full within 6 months” offer on purchases of $149 or more — and every INCA program qualifies.
| Program | Tuition | Monthly to clear in 6 months |
|---|---|---|
| INCCP — Certification | $4,300 | ~$717/mo |
| INCCP — Implementation | $4,900 | ~$817/mo |
| INCCP — Expansion | $5,500 | ~$917/mo |
| Functional + Lifestyle Dual | $2,990 | ~$499/mo |
| Functional Nursing | $2,195 | ~$366/mo |
| CannyNurse® Full Program | $2,199 | ~$367/mo |
| Lifestyle Nursing | $1,295 | ~$216/mo |
Best for: Existing PayPal users who are confident they can pay the full balance within 6 months.
This is INCA’s own payment plan, with no third-party financing and no credit check. Preview your plan on the program’s enrollment page using the plan estimator, then sign a simple financing agreement at checkout. Your card or bank account is auto-debited monthly until the balance is paid in full — and the full balance must clear before your program ends. There’s a flat 5% administrative fee added to tuition in place of interest; that’s the only added cost.
An example. INCCP Certification Pathway, $4,300 tuition with the 5% admin fee = $4,515. With 10% down ($430) at checkout, the remaining $4,085 spreads across your chosen term. On a 24-week (~6-month) plan with monthly debits, that’s roughly $681/mo — or about $340 every two weeks if you opt into biweekly.
Best for: Anyone who’d rather not run a credit check, or who prefers to pay INCA directly without a third-party financing app in the loop.
Whichever plan you choose, completing every scheduled payment is the trigger for your certificate of completion, contact-hour award, or letter of completion.
Klarna, Affirm, and PayPal Credit aren't tied to program timeline. The INCA Monthly Auto-Debit Plan is — which is why the term length (12–24 weeks) is calibrated to each program.
If you defer an INCCP cohort, your payment plan continues on the original schedule. Deferral and payment are separate — one doesn't change the other.
Try another one — each platform uses different underwriting criteria, so a decline from one isn’t predictive of the others. And if none of the three external options work out, the INCA Monthly Auto-Debit Plan doesn’t require a credit check at all. That’s part of why we offer it (on programs over $500).
Checking your rate with Affirm uses a soft inquiry that does not impact your credit. Accepting an Affirm loan for an INCCP-tier purchase typically triggers a hard inquiry, which can cause a small, temporary dip. Klarna performs a credit check at application \u2014 per Klarna’s published terms, the search is recorded on your credit file and is visible to other lenders. PayPal Credit runs a hard pull at application. The INCA Monthly Auto-Debit Plan doesn’t run a credit check at all.
No. The Monthly Auto-Debit Plan is only available on programs priced over $500. For CannyNurse® Part 1 alone, Homeopathy for Nurses, Nursing Pathways in Psychedelic Care, and End-of-Life Coaching, your monthly options are Klarna, Affirm, and PayPal Credit.
No. For Klarna, Affirm, and PayPal Credit, INCA receives tuition in full up front once the plan is approved — your seat is held the same as a one-time payment. For the Monthly Auto-Debit Plan, your enrollment is confirmed once your signed agreement and down payment clear.
No. There’s no late fee on the Auto-Debit Plan itself. But late or failed payments can result in suspension or removal from the program under INCA’s Removal Policy, and certificates of completion are not issued until tuition is paid in full. If a payment fails, contact admissions right away — we’d much rather work it out than escalate.
Yes for all four. Klarna, Affirm, and PayPal Credit all allow early payoff with no penalty. The Monthly Auto-Debit Plan can be paid off early at any time — contact admissions if you’d like to settle the balance.
Refunds follow INCA’s standard policy. For the INCCP, refunds are available only within 48 hours of registration and only if your start date is 30+ days out and you haven’t accessed any course materials. For specialty programs, refunds are available within one business day of registration if you haven’t accessed materials. All approved refunds carry a 6% processing fee, and payment plan administrative fees are non-refundable. Full terms on the course policies page.
No. Payment plans continue on their original schedule regardless of deferral. This is true for Klarna, Affirm, PayPal Credit, and the INCA Monthly Auto-Debit Plan.
More than 30% of INCA students receive some form of employer support. All INCA programs are ANCC-accredited continuing nursing education in all 50 states, which makes them eligible for most employer reimbursement and tuition-assistance programs. Ask us about our Employer Reimbursement Package.
Klarna, Affirm, and PayPal Credit all have country-specific eligibility — they’re primarily U.S.-resident products, though Klarna and PayPal operate in additional countries. Check each platform’s terms at checkout for current availability. The INCA Monthly Auto-Debit Plan can typically be configured for international students. Email admissions@iNurseCoach.com and we’ll walk through the options.
Talk to admissions. Use the “Book a call” button below.
Our admissions team are INCA alumni and Board-Certified Nurse Coaches. Choosing how to pay shouldn’t be the part that slows you down — book a short call and we’ll walk through the options against your situation, or send an email if that’s easier. There’s no pressure attached.
Or email admissions@iNurseCoach.com
INCA is not affiliated with Klarna, Affirm, or PayPal Credit and does not receive compensation related to financing approvals. All Klarna, Affirm, and PayPal Credit financing decisions are made solely by each platform based on the applicant’s individual credit profile. Terms, rates, and availability are subject to change at any time. Monthly payment examples on this page are illustrative and not an offer of credit. Pre-qualifying does not guarantee final approval. The INCA Monthly Auto-Debit Plan is administered directly by INCA via Partial.ly and is subject to INCA’s financing agreement terms. Payment plans are subject to INCA’s Course Policies — including the rule that payment plans continue on their original schedule regardless of deferral.
