Lender Enrollments
Below, please review the lender programs we work with in the Patient Financing industry. Most of these lenders can only be accessed through the Credit Technologies / Finance Your Care platform. Each lender has their own requirements for enrollment. Once you complete a lenders' enrollment, we will be notified of your acceptance. At that point, they will schedule you for training with their program, and assign your Practice your log in credentials.
United Consumer Financial Services
Recommended for Prime and Poor Credit. This lender offers programs that will approve your customers with credit scores down to 600. Their Merchant Fee range is 0% for prime and 5% for off-prime credit. Then on a sliding scale, the merchant fee can be as much as 20% for borrowers with Poor credit scores down to 600. See the chart categories prime, off-prime and poor. Please note: This link will send you to the next page where you download the UCSF application. You will complete the application and email it back to info@Financeyourcare.com
United Mid-West Bank UMWB
Recommended for just sub-prime credit. UMWB will approve people with credit scores down to 640. Their merchant fee is 8% of the loan amount. See the chart category for sub-prime credit. Their stated maximum loan amount is $8000. However, they will extend the loan amount up to $12,000 for well qualified Applicants on some cases. Please note: The link below shows the company as being Fund My Contract / Finanswr
Enhanced Patient Financing
Recommended for all credit levels. Enhanced Patient Financing works with multiple lenders at different credit levels. Within one platform, they have lenders at prime and sub-prime levels. Please note: Some of their lending partners are also listed on this page for you to enroll directly. The reason being, you will get better terms with these lenders than if you go through a third party. But you should still enroll with Enhanced as they have other lenders not listed on this page.
US Bank
Prime and Off-Prime only. US Bank only offers financing for cosmetic and dental procedures only. We recommend US Bank for your Prime and off prime applications. Their rates and programs compete with UCSF above. Their merchant fee varies based on the programs you want to offer (i.e. 0% promotional rates).
Zip Loans
Zip Loans is a broker that has relationships with multiple finance companies. The main lenders they offer that you will want to get enrolled to use are Affirm and AFF. Affirm offers loan amounts up to $30,000, and they approve credit scores down to 640. AFF offers the guaranteed approval program for loan amounts up to $5000. PLEASE NOTE: The rates and terms with these lenders tend to be very high. As such, we only recommend these lenders as a "last resort" for people that cannot otherwise qualify. Enrolling with Zip Loans is a two step process. You will need to click on both buttons below, and complete both forms.
Billing Plan / IGW
Recommended for Billing Plans only. IGW is the company Credit Technologies works with to provide you with a complete billing solution. This should be used for Applicant's who cannot get approved at any other lender. With our program; we recommend you get a down payment large enough to cover your costs. Then the billing contracts are set at 21.9%. IGW will collect the monthly fee and pay your Practice 80% of the amount collected every month. But with the 21.9% interest, you will net 100% of the amount in billing if all payments are collected. You will also be offered the opportunity to "cash in" the contract after 6 monthly payments have been paid on time. When you click on the button below, you will land on the next page where you download the In-Store Finance contract. Just complete that form and email it back to info@InStoreFinance.com.
Free Credit Card Process
Recommended for Credit Card Processing. With this private label program, Credit Technologies will pay your monthly subscription fee to the credit card processor, and the technology will pass on the per transaction fees to the Purchaser. The result will be your Practice does not pay any fees to accept credit cards. When you click on the button below, you will land on the next page where you download the request for information. Just complete that form and email it back to Info@FinanceYourCare.info and we will submit the form on your behalf.