Frequently Asked Questions

  • What does United Medical Credit offer its applicants?

    We assist applicants in securing financing for most healthcare procedures, including cosmetic, dental, bariatric, fertility and just about any other healthcare procedure.

  • How does United Medical Credit work?

    Once your application is submitted, we will submit it to the lender best qualified to give you the maximum approval amount at the best terms. Often, you will receive this decision within seconds. Some lenders may take longer but you will always get a response by the next business day.
    If your application is approved, we may contact you to review the terms and conditions. Once you accept the terms and provide the stipulations if required, we will either disburse the funds to you or directly to your healthcare provider depending on the lender. If your application is denied, you can always resubmit your application with a qualified co-signer (co-applicant).

  • How long does it take for a response on my application?

    Often, you will receive a decision within seconds. Some lenders may take longer but you will always get a response by the next business day.

  • Can I add a co-signer (co-applicant)?

    In many cases applicants have the opportunity to add a co-signer (co-applicant) to increase their likelihood of approval. If your credit history is subpar, it is strongly encouraged that you apply with a co-signer (co-applicant). If you would like to add a co-signer (co-applicant) after you have already applied, please reapply with the new co-signer on our website.

  • What are the minimum requirements for getting approved?

    There are no minimum requirements as every application is unique and many factors are considered in approving an application, including but not limited to income, credit profile, and outstanding debt balances.

  • Would my requested amount affect my chances of getting approved?

    Your requested loan amount will not affect your chances of being approved. If we are unable to secure the full requested amount, we will inform you of the maximum amount that can be financed.

  • Does my doctor have to work through United Medical Credit?

    Most of UMC’s financing programs require your doctor’s participation but some do not. If required and your doctor is not enrolled, we will inform you and reach out to your doctor to complete the process.

  • What if my provider (doctor) is not in your network when I apply?

    If it is required, we will inform you and contact your provider’s office in order to enroll them. 

  • How does my provider get paid?

    Depending on the financing program, UMC would either disburse the funds directly into the provider’s account or the patient would be responsible for payment to the provider after receiving funds themselves.

  • What is credit history?

    If you have or had a credit card, bank loan or auto loan, you have a credit history, which includes a credit score. Credit scores are determined by your credit history and are based upon the balance and duration of existing credit lines, payment history, debt to credit limit ratios, length of credit accounts and types of credit used.