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How to Pay for Medical Care

Being able to afford medical care has only become harder for most Americans, even as the rates for medical procedures have gone up. Because of this, struggling Americans are having to go without necessary procedures that could increase the quality and duration of their lives because of a lack of insurance or inability to pay for these procedures upfront. Even those with medical insurance are finding it difficult to get approved for procedures. What are the options for patients who need procedures right now but can’t afford to pay for them right now? United Medical Credit has the answer! With innovative financing options for a broad spectrum of credit and income situations, we are the one-stop source for medical procedure financing for just about any medical need, from cosmetic surgery to fertility treatments to help you grow your family. Unlike insurance companies, we work directly with your healthcare provider so you never borrow more than absolutely necessary, making repayment of the loan simpler and less expensive.

Here are some of the procedures and types of treatments we provide financing for so you can pay for medical care:

Cosmetic Surgery

While insurance companies frequently claim that cosmetic surgery is not medically necessary, patients suffering from everything from cleft palates to the trauma of double mastectomy would disagree. Cosmetic surgery helps people feel more confident in their appearance and allows them to live fuller, more normal lives even after injury or major surgery. UMC offers flexible financing for cosmetic procedures from facelifts to breast reconstruction and much, much more!

– Dental Procedures 

Whether you need a wisdom tooth pulled or oral reconstructive surgery, dental procedures are never much fun. When you have to worry about how to pay for them, going to the dentist feels like, well, a trip to the dentist. United Medical Credit’s dental financing options help take the pain of going to the dentist out of your wallet while ensuring you and your family get the care they need for a lifetime of strong, healthy teeth and mouths.

– Fertility Treatments

Undergoing fertility treatments can be a lengthy, uncertain, and most of all expensive proposition. For couples who want a child but have been unable to conceive naturally, fertility treatments are the last recourse to help these families make a baby of their own. Unfortunately, many health insurance policies challenge the need for these procedures. Having a medical credit card would be helpful, but they don’t exist! United Medical Credit’s financing assistance in amounts from $500 to $20,000 can help you achieve your goals of parenthood without bankrupting yourself in the process. Click here to learn how you can finance your IVF treatments.

– Bariatric Treatments

For people who have tried diet, exercise, and more extreme methods of weight loss, bariatric surgery such as LapBand procedures may be the only way to lose weight and slow or stop the damage done by secondary problems obesity can cause, including diabetes, high blood pressure, heart conditions, and high cholesterol. The expense of these treatments prevents many of the people who could most benefit from them from being able to get these procedures. At United Medical Credit, we do not believe lack of money should mean lack of good health. Our financing options are as good as a medical credit card, allowing you to achieve your weight loss goals without worry!

– Lasik and Eye Surgery

In an average eyeglass wearer’s lifetime, buying one pair of eyeglasses per year, they will spend roughly $8,400 on eyeglasses. Contacts are slightly less expensive, but much more subject to replacement, and many contact lens users find they still need sunglasses, glasses for reading, and so on, so there’s really not much to choose between the two. Lasik surgery is a popular alternative to having to wear glasses or fuss with contacts, but the price often puts potential LASIK candidates off. UMC believes that money should not be a bar to being able to see your world. Our flexible, affordable financing means you can kiss your eyeglasses goodbye for good!

No matter what your medical needs, United Medical Credit has a financing option that can help pay for medical care. While we cannot accept any and all credit, we do offer cosigner and down payment options that can help with your approval. We also offer financing for periods up to 72 months with promotional “same as cash” repayment options. Your overall health should never be contingent on your financial situation when you need to pay for medical care.

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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.