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A Guide to Surgery Loans for Bad Credit

In investment or financial parlance, a person with bad credit means that he/she does not make timely payments on a loan or may have defaulted on a loan at one point. A bad credit is a lot like bad reputation, it can make it hard for the person to obtain another loan despite best intentions.

However, this does not mean that a person with bad credit cannot get much-needed surgery loans for bad credit. Companies, like United Medical Credit (UMC), are committed to helping deserving people get the medical financing that they need regardless of credit history.

Plastic surgery loans are fast becoming preferred options when financing for cosmetic surgery and other general healthcare requirements because it is more flexible in terms of payment distribution. Approvals tend to be faster and easier because it is a niche service with a dedicated network of providers and manpower.

At UMC, an applicant with bad credit will need a co-signer to secure the loan while UMC representatives work out the best financing option plan. According to Matthew Libman, UMC president, the company prioritizes clients with below-average credit scores because “they are the ones that are most in need.”

He added, “Access to healthcare is a basic right that even people with bad credit should be able to enjoy. Even cosmetic surgery, which is often thought of as just an elective procedure, is sometimes done as part of a recovery process. People in these unique and often underserved situations are our priority.”

With more than a decade of experience and a track record in service reliability, UMC helps prospective patients with financing for cosmetic surgery, bariatric surgery, fertility procedures, dental surgery, Lasik and eye surgery, hearing aids and devices, and other general healthcare requirements.

General guidelines

A client’s credit score also affects the interest rate, along with credit history, length of the loan, and actual loan amount. In some cases, a down payment may also be required.

“Financing health care is a costly affair,” Libman said. “Fortunately, there are financially sound ways to go around it without sinking deeper into debt, like medical financing from trusted companies like UMC.”

UMC offers Same-as-Cash (SAC) programs ranging from six to 24 months on approved credit and with provider participation. All of UMC’s direct financing programs require provider (or doctor) participation to protect the funds being disbursed. If the client has a provider that is not enrolled in the program at the time of the application, UMC can negotiate on behalf of the client based on the approved payment plan.

For more information on UMC’s surgery loans for bad credit, contact (888) 647-4333, send an e-mail to or visit the website,

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Jessica Payan

VP of Human Resources

As a certified Professional in HR (PHR), Jessica brings 10 years of HR experience to the United Credit team. She is responsible for managing the strategy and processes related to building and retaining an exceptional team of professionals. Jessica is passionate about supporting each employee to be their most successful and exemplifies our core values daily.

Aaron Mishkin


As Controller, Aaron manages the income and expenses of the Company and the incoming and outgoing loan funds with the utmost integrity. He is a lifelong learner with multiple degrees and certifications to his name and 25 years of working in financial services. Aaron’s reason behind being a part of the United Credit team is to make a difference in the Company and to his coworkers, our partners, and our customers.

Jorge Lazaro

VP of IT

Jorge works closely with cross-functional partners throughout the business to develop virtual experiences and oversees the IT team that keeps our platforms running smoothly. His goal is to provide an optimistic approach to the challenges we face while supporting our staff and partners with respect. With over 6 years of working for United Credit, Jorge brings a wealth of knowledge about our history and computer engineering.

Brett Walisever

VP of Strategic Accounts

Brett spearheads our business sales growth by identifying and supporting new merchants in partnering with United Credit. He has 10+ years of sales, contract negotiation, and market strategy experience that he brings to each new merchant and our team. His desire is to support the growth of United Credit and the merchants we serve through respect and collaboration.

Andria Sullivan

Chief Experience Officer

Andria is a seasoned leader with over 10 years of experience in providing world-class customer service and directing consumer finance processes. She oversees the tracking, reporting, and achievement of our company goals, long and short-term projects, and special initiatives. Andria is service-minded when it comes to collaborating internally and externally, and it shines through in every interaction.

Nate Moster

Chief Sales and Marketing Officer

As Chief Sales and Marketing Officer, Nate expertly drives revenue growth for United Credit by leading sales and marketing strategies across all channels. With over 20 years of experience working with global brands in various industries, Nate has a proven track record of boosting sales, expanding market share, and building strong relationships. His unique ‘right-brain + left-brain’ approach combines business acumen and strategic thinking with striking creative execution, ensuring United Credit’s sales and marketing efforts consistently deliver results for continued success.

Matthew Libman

Founder & President

Matthew is the President and Founder of United Credit. Matt founded fintech company United Medical Credit in 2011 to connect consumers and businesses with an array of experienced, innovative financing solutions. In 2022, the company grew and became United Credit, fueling an expansion into retail markets while retaining its expertise in specialty healthcare.

Since its founding, Matt has provided leadership for all aspects of the Company, emphasizing long-term growth while ensuring United Credit delivers value to its consumers, merchants, and business partners. The Company has risen in the fintech space as a preferred consumer financing partner under his tenure.

Matt is also an active member of YPO (Young Presidents’ Organization), the world’s largest leadership community of company chief executives.